Total CFPB complaints
675
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 675 complaints
STERLING JEWELERS, INC. — Debt Collector Complaint Profile
CFPB complaint profile across 44 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about STERLING JEWELERS, INC.
- Attempts to collect debt not owed
Attempts to collect debt not owed
195 complaints
- Communication tactics
Communication tactics
148 complaints
- Written notification about debt 41
Written notification about debt
41 complaints
- False statements or representation 25
False statements or representation
25 complaints
- Took or threatened to take negative or legal action 22
Took or threatened to take negative or legal action
22 complaints
- Improper contact or sharing of info 21
Improper contact or sharing of info
21 complaints
C
Grade C · 59.4/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
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 stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "Frequent or repeated calls", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 8% 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 44 states, led by Florida with 79 and Texas with 57, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 59.4/100 places STERLING JEWELERS, INC. 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
Stable →
States active
44
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
8%
After company response
Reputation grade
C
59.4/100 composite
Response-quality profile
How STERLING JEWELERS, INC. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 16.3%
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?
STERLING JEWELERS, INC… 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)
2021-06 2023-10
Top Consumer Issues
Communication tactics148 (%)
Attempts to collect debt not owed195 (%)
Written notification about debt41 (%)
False statements or representation25 (%)
Took or threatened to take negative or legal action22 (%)
Improper contact or sharing of info21 (%)
Cont'd attempts collect debt not owed18 (%)
Most common issue: Communication tactics — Frequent or repeated calls
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 |
|---|---|---|
| Communication tactics | Frequent or repeated calls | 122 |
| Attempts to collect debt not owed | Debt was result of identity theft | 79 |
| Attempts to collect debt not owed | Debt is not yours | 71 |
| Attempts to collect debt not owed | Debt was paid | 45 |
| Written notification about debt | Didn't receive enough information to verify debt | 41 |
| Communication tactics | Threatened to take legal action | 26 |
| False statements or representation | Attempted to collect wrong amount | 25 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 22 |
| Improper contact or sharing of info | Talked to a third party about my debt | 21 |
| Cont'd attempts collect debt not owed | Debt is not mine | 18 |
Where do complaints against STERLING JEWELERS, INC. come from?
The states where consumers have filed the most CFPB complaints against STERLING JEWELERS, INC.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against STERLING JEWELERS, INC.
Across 44 states with at least one filing
- Florida
Florida
79 complaints
- Texas
Texas
57 complaints
- California
California
56 complaints
- Illinois
Illinois
40 complaints
- New York
New York
39 complaints
- Georgia
Georgia
38 complaints
- Pennsylvania
Pennsylvania
35 complaints
- Massachusetts
Massachusetts
34 complaints
Frequently Asked Questions
What is the most common complaint against STERLING JEWELERS, INC.? ▼
The most common issue consumers report about STERLING JEWELERS, INC. is "Communication tactics", 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. have been stable. The company received 0 complaints in the last 12 months.
What is STERLING JEWELERS, INC.'s reputation grade? ▼
STERLING JEWELERS, INC. has a reputation grade of C (score: 59.4/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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).
What can I do if STERLING JEWELERS, INC. 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 STERLING JEWELERS, INC. 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 |