This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade C 54 complaints

Stephen Einstein & Associates, P.C. - Debt Collector Complaint Profile

CFPB complaint profile across 3 states, reputation grade C.

Complaints by issue type

What consumers report about Stephen Einstein & Associates, P.C.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record stephen-einstein-associates-pc Stephen Einstein & Associates, P.C.

Grade C · 54 CFPB filings · 85% timely · lead issue: Took or threatened to take negative or legal action

  • VOL 54
  • GRADE C
  • 12MO 0
  • STATES 3
  • TIMELY 85%
  • DISPUTE 14%
  • ISSUE Took or threatened to take…
  • RANK #1,147
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Affiliated Collection Services, LLC (54 complaints)

Affiliated Collection Services, LLCAffiliated Collection Servic…54Bass & Associates, P.C., Attorneys at LawBass & Associates, P.C., Att…54Capital Mitigation Services, LLCCapital Mitigation Services,…54Citi Management Group, LLCCiti Management Group, LLC54Stephen Einstein & Associates, P.C. (this)Stephen Einstein & Associate…54
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Stephen Einstein & Associates, P.C.'s 54 CFPB complaints sit next to Affiliated Collection Services, LLC on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 54 complaints break down

Every complaint issue type on record for Stephen Einstein & Associates, P.C., not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
55.9/100
Stephen Einstein & Associates, P.C.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume D
54
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
85%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
14%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

81.5% of Stephen Einstein & Associates, P.C.'s CFPB filings land in New York

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
New York 81.5%
44 of 54 filings · 3 states touched
Even monthly load
Peak under 8%
Highest month 2019-05 at 7.1% (2 filings)
Corpus ranks
#1,147 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Stephen Einstein & Associates, P.C. compare to its peers?

How does Stephen Einstein & Associates, P.C. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Stephen Einstein & Associates, P.C. National average
Complaints (last 12 mo)lower is better
0
8
268
Timely-response ratehigher is better
85%
6%
91%
Consumer-dispute ratelower is better
14%
0%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Stephen Einstein & Associates, P.C. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 0%50%100%150% 0%10%20%30%40%50% Timely response rate (%) Dispute rate (%) Stephen Einstein & Associates, P.C. vs. 8 similar-volume peers, by response speed and dispute rate Stephen Einstein & Associates, P.C.Protas, Spivok & Collins. LLCNorth American Asset Services, LLCMunicipal Collections Services, Inc.Citi Management Group, LLCBass & Associates, P.C., Attorneys at LawAffiliated Collection Services, LLCAUDIT SYSTEMS,INCAdvantage Collection Professionals, Inc.
Source: CFPB Consumer Complaint Database

Stephen Einstein & Associates, P.C.'s complaint volume in context

Stephen Einstein & Associates, P.C. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

54 Top 21% higher than 79% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). This entry sits in this band. 60–80: 163 collectors (3%). Above this entry. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Stephen Einstein & Associates, P.C. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2016-06 2024-03

Issue Detail Breakdown

Issue Complaints
Took or threatened to take negative or legal action
12
Written notification about debt
8
Attempts to collect debt not owed
7
Cont'd attempts collect debt not owed
7
Disclosure verification of debt
7
False statements or representation
4
Communication tactics
4
Taking/threatening an illegal action
3
Threatened to contact someone or share information improperly
1
Improper contact or sharing of info
1

Where do complaints against Stephen Einstein & Associates, P.C. come from?

Stephen Einstein & Associates, P.C.'s own per-state count, not a national baseline.

Top states by complaints against Stephen Einstein & Associates, P.C.

Across 3 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Stephen Einstein & Associates, P.C.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 54.

4 peers

Know your rights before responding to Stephen Einstein & Associates, P.C.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.