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

CFPB complaint data Grade C 675 complaints

Sterling Jewelers, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 44 states, reputation grade C.

Complaints by issue type

What consumers report about Sterling Jewelers, Inc.

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

Data updated September 2026

CFPB complaint disposition

CCDB record sterling-jewelers-inc Sterling Jewelers, Inc.

Grade C · 675 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #208 · compose #69

  • VOL 675
  • GRADE C
  • 12MO 0
  • STATES 44
  • TIMELY 100%
  • DISPUTE 8%
  • ISSUE Attempts to collect debt n…
  • RANK #208
  • COMPOSE #69

Volume peers

Nearest volume peer: Southern Management Systems Inc. (675 complaints)

Diverse Funding Associates LLCDiverse Funding Associates L…674Southern Management Systems Inc.Southern Management Systems …675Sterling Jewelers, Inc. (this)Sterling Jewelers, Inc. (thi…675Consumer Portfolio Services, Inc.Consumer Portfolio Services,…677Nissan Motor Acceptance Company LLCNissan Motor Acceptance Comp…678
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Sterling Jewelers, Inc.'s 675 CFPB complaints sit next to Southern Management Systems 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 675 complaints break down

Every complaint issue type on record for Sterling Jewelers, Inc., not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
56.3/100
Sterling Jewelers, 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
675
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
8%
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

Sterling Jewelers, Inc. spreads filings across 44 states - Florida 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%
Florida still leads at 11.7% across 44 states
Even monthly load
Peak under 8%
Highest month 2025-04 at 6.6% (14 filings)
Corpus ranks
#208 volume
#69 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Sterling Jewelers, Inc. compare to its peers?

How does STERLING JEWELERS, 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
STERLING JEWELERS, INC. National average
Complaints (last 12 mo)lower is better
0
170
268
Timely-response ratehigher is better
100%
100%
91%
Consumer-dispute ratelower is better
8%
45%
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 Sterling Jewelers, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 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 97.5%98%98.5%99%99.5%100%100.5% 0%10%20%30%40%50% Timely response rate (%) Dispute rate (%) Sterling Jewelers, Inc. vs. 9 similar-volume peers, by response speed and dispute rate Sterling Jewelers, Inc.Southern Management Systems Inc.Diverse Funding Associates LLCConsumer Portfolio Services, Inc.NISSAN MOTOR ACCEPTANCE COMPANY LLCShellpoint Partners, LLCOptio Solutions, LLCSynerprise Consulting Services, Inc.Grant & WeberClient Services, Inc.
Source: CFPB Consumer Complaint Database

Sterling Jewelers, Inc.'s complaint volume in context

Sterling Jewelers, 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)

675 Top 4% higher than 96% 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%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Sterling Jewelers, 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 ↓
2024-04 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
203
Communication tactics
177
Written notification about debt
58
Took or threatened to take negative or legal action
52
False statements or representation
44
Improper contact or sharing of info
40
Cont'd attempts collect debt not owed
36
Taking/threatening an illegal action
34
Disclosure verification of debt
17
Threatened to contact someone or share information improperly
14

Where do complaints against Sterling Jewelers, Inc. come from?

Sterling Jewelers, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Sterling Jewelers, Inc.

Across 44 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 Sterling Jewelers, 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: 675.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 100%.

4 peers

Know your rights before responding to Sterling Jewelers, 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.