What is the most common complaint against Surf Consultants, Inc.?

The most common issue consumers report about Surf Consultants, Inc. is "Took or threatened to take negative or legal action", specifically "Sued you without properly notifying you of lawsuit". This is based on 13 complaints filed with the CFPB.

Are complaints against Surf Consultants, Inc. increasing or decreasing?

Complaints against Surf Consultants, Inc. are rising. The company received 4 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Surf Consultants, Inc.'s reputation grade?

Surf Consultants, Inc. has a reputation grade of C (score: 61.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Surf Consultants, Inc. respond to consumer complaints?

Surf Consultants, Inc. has a 100% timely response rate to CFPB complaints.

In how many states does Surf Consultants, Inc. operate?

Surf Consultants, Inc. has received CFPB complaints from consumers in 2 states, with the most complaints from Florida (11 complaints).

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

Surf Consultants, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade C.

Compiled by PlainCollector

Took or threatened to take negative or legal action

6
Attempts to collect debt not owed

5
False statements or representation

2

Data updated September 2026

CFPB complaint disposition

CCDB record surf-consultants-inc Surf Consultants, Inc.

Grade C · 13 CFPB filings · 100% timely · lead issue: Took or threatened to take negative or legal action · vol #2280 · compose #2250

VOL 13
GRADE C
12MO 4
STATES 2
TIMELY 100%
ISSUE Took or threatened to take…
RANK #2,280
COMPOSE #2,250

Volume peers

Nearest volume peer: 3rd Generation, Inc. (13 complaints)

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

Surf Consultants, Inc.'s 13 CFPB complaints sit next to 3rd Generation, 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 →

State-heavy filing map

84.6% of Surf Consultants, Inc.'s CFPB filings land in Florida

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state: Florida 84.6%; 11 of 13 filings · 2 states touched
Even monthly load: Peak under 8%; Highest month 2018-01 at 7.7% (2 filings)
Corpus ranks: #2,280 volume; #2,250 composite; Among 5,420 volume-ranked / 5,278 scored collectors

How does Surf Consultants, Inc. compare to its peers?

How does Surf Consultants, 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

Surf Consultants, Inc. National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

92%

91%

Consumer-dispute ratelower is better

17%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2017-04 2025-12

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	6
Attempts to collect debt not owed	5
False statements or representation	2

Where do complaints against Surf Consultants, Inc. come from?

Surf Consultants, Inc.'s own per-state count, not a national baseline.

Florida

11
South Carolina

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Surf Consultants, 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: 13.

4 peers

Know your rights before responding to Surf Consultants, 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.