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

CFPB complaint data Grade C 77 complaints

Stephens and Michaels Associates, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 24 states, reputation grade C.

Complaints by issue type

What consumers report about Stephens and Michaels Associates, Inc.

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

Data updated September 2026

CFPB complaint disposition

CCDB record stephens-and-michaels-associates-inc Stephens and Michaels Associates, Inc.

Grade C · 77 CFPB filings · 92% timely · lead issue: Cont'd attempts collect debt not owed

  • VOL 77
  • GRADE C
  • 12MO 0
  • STATES 24
  • TIMELY 92%
  • DISPUTE 16%
  • ISSUE Cont'd attempts collect de…
  • RANK #950
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Adelante, Inc (77 complaints)

Adelante, IncAdelante, Inc77Concentric Receivables Management, Ltd.Concentric Receivables Manag…77Early Warning Services, LLCEarly Warning Services, LLC77HF HoldingsHF Holdings77Stephens and Michaels Associates, Inc. (this)Stephens and Michaels Associ…77
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Stephens and Michaels Associates, Inc.'s 77 CFPB complaints sit next to Adelante, Inc 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 77 complaints break down

Every complaint issue type on record for Stephens and Michaels Associates, Inc., not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
56.7/100
Stephens and Michaels Associates, Inc.

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 F
77
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
92%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
16%
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.

Distributed filing map

Stephens and Michaels Associates, Inc. spreads filings across 24 states - New York leads at only 11.7%

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Most-even geography
Lead state under 15%
New York still leads at 11.7% across 24 states
Seasonal peak
2025-05 10.0%
8–15% band · 4 filings
Corpus ranks
#950 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Stephens and Michaels Associates, Inc. compare to its peers?

How does Stephens and Michaels Associates, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Stephens and Michaels Associates, Inc. National average
Complaints (last 12 mo)lower is better
0
0
268
Timely-response ratehigher is better
92%
99%
91%
Consumer-dispute ratelower is better
16%
21%
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 Stephens and Michaels Associates, Inc. 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 20%40%60%80%100%120% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Stephens and Michaels Associates, Inc. vs. 8 similar-volume peers, by response speed and dispute rate Stephens and Michaels Associates, Inc.Sessoms & Rogers, P.A.Revenue Assurance Professionals LLCUnited Student Aid (USA) FundsPinnacle Asset Management, LLCUniversal Fidelity LPJonathan Neil & Associates, IncEarly Warning Services, LLCConcentric Receivables Management, Ltd.
Source: CFPB Consumer Complaint Database

Stephens and Michaels Associates, Inc.'s complaint volume in context

Stephens and Michaels Associates, Inc. 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)

77 Top 18% higher than 82% 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%). Below this entry. 60–80: 163 collectors (3%). This entry sits in this band. 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. Stephens and Michaels Associates, Inc. 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 ↓
2023-05 2026-02

Issue Detail Breakdown

Issue Complaints
Cont'd attempts collect debt not owed
39
Communication tactics
19
Disclosure verification of debt
11
False statements or representation
4
Improper contact or sharing of info
3
Taking/threatening an illegal action
1

Where do complaints against Stephens and Michaels Associates, Inc. come from?

Stephens and Michaels Associates, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Stephens and Michaels Associates, Inc.

Across 24 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 Stephens and Michaels Associates, Inc.: 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: 77.

4 peers

Know your rights before responding to Stephens and Michaels Associates, Inc.: 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.