Total CFPB complaints
4
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 4 complaints
The Law Firm of Ryan E. Calef and Associates, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 4 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about The Law Firm of Ryan E. Calef and Associates, LLC
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
3 complaints
- Taking/threatening an illegal action 1
Taking/threatening an illegal action
1 complaints
B
Grade B · 66.5/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about The Law Firm of Ryan E. Calef and Associates, LLC?
The Law Firm of Ryan E. Calef and Associates, LLC has accumulated 4 total CFPB complaints across 4 states, with 0 filed in the most recent 12 months against 4 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 "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 50% timely-response rate against a 0% 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 4 states, led by New Jersey with 1 and Minnesota with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 66.5/100 places The Law Firm of Ryan E. Calef and Associates, LLC in grade band B, 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
4
Distinct state filings
Timely response rate
50%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
B
66.5/100 composite
Response-quality profile
How The Law Firm of Ryan E. Calef and Associates, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 50.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 7.1%
Share of US states + territories with at least one filed complaint against this collector.
How does The Law Firm of Ryan E. Calef and Associates, LLC compare to its peers?
The Law Firm of Ryan E… 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)
2015-09 2016-05
Top Consumer Issues
Cont'd attempts collect debt not owed3 (%)
Taking/threatening an illegal action1 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt is not mine
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 |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt is not mine | 2 |
| Taking/threatening an illegal action | Threatened to sue on too old debt | 1 |
| Cont'd attempts collect debt not owed | Debt was paid | 1 |
Where do complaints against The Law Firm of Ryan E. Calef and Associates, LLC come from?
The states where consumers have filed the most CFPB complaints against The Law Firm of Ryan E. Calef and Associates, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against The Law Firm of Ryan E. Calef and Associates, LLC
Across 4 states with at least one filing
- New Jersey
New Jersey
1 complaints
- Minnesota
Minnesota
1 complaints
- Illinois
Illinois
1 complaints
- North Carolina
North Carolina
1 complaints
Frequently Asked Questions
What is the most common complaint against The Law Firm of Ryan E. Calef and Associates, LLC? ▼
The most common issue consumers report about The Law Firm of Ryan E. Calef and Associates, LLC is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 4 complaints filed with the CFPB.
Are complaints against The Law Firm of Ryan E. Calef and Associates, LLC increasing or decreasing? ▼
Complaints against The Law Firm of Ryan E. Calef and Associates, LLC have been stable. The company received 0 complaints in the last 12 months.
What is The Law Firm of Ryan E. Calef and Associates, LLC's reputation grade? ▼
The Law Firm of Ryan E. Calef and Associates, LLC has a reputation grade of B (score: 66.5/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does The Law Firm of Ryan E. Calef and Associates, LLC respond to consumer complaints? ▼
The Law Firm of Ryan E. Calef and Associates, LLC has a 50% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does The Law Firm of Ryan E. Calef and Associates, LLC operate? ▼
The Law Firm of Ryan E. Calef and Associates, LLC has received CFPB complaints from consumers in 4 states, with the most complaints from New Jersey (1 complaints).
What can I do if The Law Firm of Ryan E. Calef and Associates, LLC 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 The Law Firm of Ryan E. Calef and Associates, LLC 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 |