Total CFPB complaints
54
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 54 complaints
Stephen Einstein & Associates, P.C. — Debt Collector Complaint Profile
CFPB complaint profile across 3 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Stephen Einstein & Associates, P.C.
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
10 complaints
- Written notification about debt
Written notification about debt
6 complaints
- Disclosure verification of debt
Disclosure verification of debt
6 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
5 complaints
- Communication tactics 3
Communication tactics
3 complaints
- Attempts to collect debt not owed 3
Attempts to collect debt not owed
3 complaints
C
Grade C · 59.5/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Stephen Einstein & Associates, P.C.?
Stephen Einstein & Associates, P.C. has accumulated 54 total CFPB complaints across 3 states, with 0 filed in the most recent 12 months against 54 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Written notification about debt", narrowing to "Didn't receive enough information to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 85% timely-response rate against a 14% 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 3 states, led by New York with 44 and New Jersey with 7, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 59.5/100 places Stephen Einstein & Associates, P.C. in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Falling ↓
States active
3
Distinct state filings
Timely response rate
85%
Within CFPB SLA window
Consumer disputes
14%
After company response
Reputation grade
C
59.5/100 composite
Response-quality profile
How Stephen Einstein & Associates, P.C. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 85.2%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 28.6%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 5.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Stephen Einstein & Associates, P.C. compare to its peers?
Stephen Einstein & Ass… 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)
2017-08 2024-06
Top Consumer Issues
Written notification about debt6 (%)
Took or threatened to take negative or legal action10 (%)
Disclosure verification of debt6 (%)
Communication tactics3 (%)
Attempts to collect debt not owed3 (%)
Cont'd attempts collect debt not owed5 (%)
Taking/threatening an illegal action2 (%)
Most common issue: Written notification about debt — Didn't receive enough information to verify debt
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 |
|---|---|---|
| Written notification about debt | Didn't receive enough information to verify debt | 6 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 6 |
| Disclosure verification of debt | Not given enough info to verify debt | 6 |
| Communication tactics | Frequent or repeated calls | 3 |
| Attempts to collect debt not owed | Debt is not yours | 3 |
| Cont'd attempts collect debt not owed | Debt is not mine | 3 |
| Cont'd attempts collect debt not owed | Debt was discharged in bankruptcy | 2 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 2 |
| Taking/threatening an illegal action | Sued w/o proper notification of suit | 2 |
| Took or threatened to take negative or legal action | Collected or attempted to collect exempt funds | 2 |
Where do complaints against Stephen Einstein & Associates, P.C. come from?
The states where consumers have filed the most CFPB complaints against Stephen Einstein & Associates, P.C.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Stephen Einstein & Associates, P.C.
Across 3 states with at least one filing
- New York
New York
44 complaints
- New Jersey 7
New Jersey
7 complaints
- Nevada 2
Nevada
2 complaints
Frequently Asked Questions
What is the most common complaint against Stephen Einstein & Associates, P.C.? ▼
The most common issue consumers report about Stephen Einstein & Associates, P.C. is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 54 complaints filed with the CFPB.
Are complaints against Stephen Einstein & Associates, P.C. increasing or decreasing? ▼
Complaints against Stephen Einstein & Associates, P.C. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.
What is Stephen Einstein & Associates, P.C.'s reputation grade? ▼
Stephen Einstein & Associates, P.C. has a reputation grade of C (score: 59.5/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Stephen Einstein & Associates, P.C. respond to consumer complaints? ▼
Stephen Einstein & Associates, P.C. has a 85% timely response rate to CFPB complaints. Consumers disputed the company's response in 14% of cases.
In how many states does Stephen Einstein & Associates, P.C. operate? ▼
Stephen Einstein & Associates, P.C. has received CFPB complaints from consumers in 3 states, with the most complaints from New York (44 complaints).
What can I do if Stephen Einstein & Associates, P.C. 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 Stephen Einstein & Associates, P.C. 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 |