What is the most common complaint against St.John Cobb Inc?

The most common issue consumers report about St.John Cobb Inc is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 15 complaints filed with the CFPB.

Are complaints against St.John Cobb Inc increasing or decreasing?

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

What is St.John Cobb Inc's reputation grade?

St.John Cobb Inc has a reputation grade of B (score: 67.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does St.John Cobb Inc respond to consumer complaints?

St.John Cobb Inc has a 87% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does St.John Cobb Inc operate?

St.John Cobb Inc has received CFPB complaints from consumers in 6 states, with the most complaints from North Carolina (10 complaints).

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

St.John Cobb Inc - Debt Collector Complaint Profile

CFPB complaint profile across 6 states, reputation grade B.

Compiled by PlainCollector

Attempts to collect debt not owed

5
Written notification about debt

4
Took or threatened to take negative or legal action

2
Communication tactics

2
False statements or representation

1
Disclosure verification of debt

1

Data updated September 2026

CFPB complaint disposition

CCDB record stjohn-cobb-inc St.John Cobb Inc

Grade B · 15 CFPB filings · 87% timely · lead issue: Attempts to collect debt not owed · vol #2169 · compose #1588

VOL 15
GRADE B
12MO 0
STATES 6
TIMELY 87%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #2,169
COMPOSE #1,588

Volume peers

Nearest volume peer: Accounts Advocate Agency (15 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

St.John Cobb Inc's 15 CFPB complaints sit next to Accounts Advocate Agency 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 →

State-heavy filing map

66.7% of St.John Cobb Inc's CFPB filings land in North Carolina

High volume does not equal a clean composite: St.John Cobb Inc is volume #2,169 but composite #1,588, while North Carolina dominates the geography. Corpus placement method.

Dominant state: North Carolina 66.7%; 10 of 15 filings · 6 states touched
Seasonal peak: 2025-07 11.5%; 8–15% band · 3 filings
Divergent corpus ranks: #2,169 volume; #1,588 composite; Cleanest-composite ladder is 581 places better than volume

How does St.John Cobb Inc compare to its peers?

How does St.John Cobb 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

St.John Cobb Inc National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

87%

100%

91%

Consumer-dispute ratelower is better

33%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2018-02 2026-02

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	5
Written notification about debt	4
Took or threatened to take negative or legal action	2
Communication tactics	2
False statements or representation	1
Disclosure verification of debt	1

Where do complaints against St.John Cobb Inc come from?

St.John Cobb Inc's own per-state count, not a national baseline.

North Carolina

10
Arizona

1
California

1
New York

1
South Carolina

1
Texas

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for St.John Cobb 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: 15.

4 peers

Know your rights before responding to St.John Cobb 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.