Total CFPB complaints
33
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 33 complaints
Sprechman & Associates, P.A. — Debt Collector Complaint Profile
CFPB complaint profile across 4 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Sprechman & Associates, P.A.
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
6 complaints
- False statements or representation
False statements or representation
5 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
5 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
4 complaints
- Taking/threatening an illegal action
Taking/threatening an illegal action
3 complaints
- Threatened to contact someone or share information improperly 1
Threatened to contact someone or share information improperly
1 complaints
D
Grade D · 57.2/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Sprechman & Associates, P.A.?
Sprechman & Associates, P.A. has accumulated 33 total CFPB complaints across 4 states, with 6 filed in the most recent 12 months against 27 historical complaints before that window. The trailing-12-month volume represents 18.2% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "False statements or representation", narrowing to "Attempted to collect wrong amount", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 97% timely-response rate against a 50% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 4 states, led by Florida with 29 and Wisconsin with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.2/100 places Sprechman & Associates, P.A. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
6
18.2% of total history
Rising ↑
States active
4
Distinct state filings
Timely response rate
97%
Within CFPB SLA window
Consumer disputes
50%
After company response
Reputation grade
D
57.2/100 composite
Response-quality profile
How Sprechman & Associates, P.A. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 97.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 100.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 7.1%
Share of US states + territories with at least one filed complaint against this collector.
How does Sprechman & Associates, P.A. compare to its peers?
Sprechman & Associates… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2015-02 2025-12
Top Consumer Issues
False statements or representation5 (%)
Took or threatened to take negative or legal action6 (%)
Taking/threatening an illegal action3 (%)
Cont'd attempts collect debt not owed5 (%)
Attempts to collect debt not owed4 (%)
Threatened to contact someone or share information improperly1 (%)
Written notification about debt1 (%)
Most common issue: False statements or representation — Attempted to collect wrong amount
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| False statements or representation | Attempted to collect wrong amount | 5 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 4 |
| Taking/threatening an illegal action | Sued where didn't live/sign for debt | 3 |
| Cont'd attempts collect debt not owed | Debt was paid | 3 |
| Attempts to collect debt not owed | Debt was paid | 2 |
| Attempts to collect debt not owed | Debt was result of identity theft | 2 |
| Cont'd attempts collect debt not owed | Debt is not mine | 2 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 2 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 1 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
Where do complaints against Sprechman & Associates, P.A. come from?
The states where consumers have filed the most CFPB complaints against Sprechman & Associates, P.A.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Sprechman & Associates, P.A.
Across 4 states with at least one filing
- Florida
Florida
29 complaints
- Wisconsin 2
Wisconsin
2 complaints
- New Jersey 1
New Jersey
1 complaints
- Tennessee 1
Tennessee
1 complaints
Frequently Asked Questions
What is the most common complaint against Sprechman & Associates, P.A.? ▼
The most common issue consumers report about Sprechman & Associates, P.A. is "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 33 complaints filed with the CFPB.
Are complaints against Sprechman & Associates, P.A. increasing or decreasing? ▼
Complaints against Sprechman & Associates, P.A. are rising. The company received 6 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Sprechman & Associates, P.A.'s reputation grade? ▼
Sprechman & Associates, P.A. has a reputation grade of D (score: 57.2/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Sprechman & Associates, P.A. respond to consumer complaints? ▼
Sprechman & Associates, P.A. has a 97% timely response rate to CFPB complaints. Consumers disputed the company's response in 50% of cases.
In how many states does Sprechman & Associates, P.A. operate? ▼
Sprechman & Associates, P.A. has received CFPB complaints from consumers in 4 states, with the most complaints from Florida (29 complaints).
What can I do if Sprechman & Associates, P.A. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Sprechman & Associates, P.A. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |