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

Data updated July 2026

C

Grade C · 59.4/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of C: Sterling Jewelers, Inc. ranks ahead of 40% of the 5,283 collectors PlainCollector grades - 60% keep a cleaner CFPB record, on 675 all-time complaints and a 100% timely-response rate.

40th pct
reputation rank of 5,283 graded collectors
675
CFPB complaints, all-time
100%
answered inside the CFPB window
0
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Sterling Jewelers, Inc.?

Sterling Jewelers, Inc. has accumulated 675 total CFPB complaints across 44 states, with 0 filed in the most recent 12 months against 675 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 "Attempts to collect debt not owed", narrowing to "Frequent or repeated calls". The company posts a 100% timely-response rate against a 8% consumer-dispute-after-response rate.

Complaints have been recorded across 44 states, led by Florida with 79 and Texas with 57. Normalized against the full CFPB collector database, the reputation score of 59.4/100 places Sterling Jewelers, Inc. in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

675

mid-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

44

multi-region footprint

Timely response rate

100%

excellent band

Consumer disputes

8%

low (vertical avg ~19%)

Reputation grade

C

59.4/100 composite

How does Sterling Jewelers, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

59 40th percentile higher than 40% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Sterling Jewelers, Inc. versus the debt-collection vertical average.

Timely response within SLA 100.0%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 8.1%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 78.6%

Share of US states + territories with at least one filed complaint against this collector.

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

How does STERLING JEWELERS, INC. compare? Versus a similar-volume peer and the national average, 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.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-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

What to do if Sterling Jewelers, Inc. contacts you

A grade of C signals how Sterling Jewelers, Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Sterling Jewelers, Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Sterling Jewelers, Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Sterling Jewelers, Inc.? ▼

The most common issue consumers report about Sterling Jewelers, Inc. is "Attempts to collect debt not owed", specifically "Frequent or repeated calls". This is based on 675 complaints filed with the CFPB.

Are complaints against Sterling Jewelers, Inc. increasing or decreasing? ▼

Complaints against Sterling Jewelers, Inc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Sterling Jewelers, Inc.'s reputation grade? ▼

Sterling Jewelers, Inc. has a reputation grade of C (score: 59.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Sterling Jewelers, Inc. respond to consumer complaints? ▼

Sterling Jewelers, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 8% of cases.

In how many states does Sterling Jewelers, Inc. operate? ▼

Sterling Jewelers, Inc. has received CFPB complaints from consumers in 44 states, with the most complaints from Florida (79 complaints).

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

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.