Total CFPB complaints
79
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 79 complaints
The Law Offices of Jennifer McCoy, PC — Debt Collector Complaint Profile
CFPB complaint profile across 15 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about The Law Offices of Jennifer McCoy, PC
- Attempts to collect debt not owed
Attempts to collect debt not owed
39 complaints
- False statements or representation
False statements or representation
16 complaints
- Written notification about debt 11
Written notification about debt
11 complaints
- Took or threatened to take negative or legal action 10
Took or threatened to take negative or legal action
10 complaints
D
Grade D · 54.2/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about The Law Offices of Jennifer McCoy, PC?
The Law Offices of Jennifer McCoy, PC has accumulated 79 total CFPB complaints across 15 states, with 23 filed in the most recent 12 months against 56 historical complaints before that window. The trailing-12-month volume represents 29.1% 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 "Attempts to collect debt not owed", narrowing to "Debt is not yours", 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, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 15 states, led by Tennessee with 42 and Georgia with 11, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 54.2/100 places The Law Offices of Jennifer McCoy, PC in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
23
29.1% of total history
Stable →
States active
15
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
D
54.2/100 composite
Response-quality profile
How The Law Offices of Jennifer McCoy, PC 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.
State coverage breadth 26.8%
Share of US states + territories with at least one filed complaint against this collector.
How does The Law Offices of Jennifer McCoy, PC compare to its peers?
The Law Offices of Jen… 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)
2023-09 2026-03
Top Consumer Issues
Attempts to collect debt not owed39 (%)
False statements or representation16 (%)
Written notification about debt11 (%)
Took or threatened to take negative or legal action10 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 17 |
| Attempts to collect debt not owed | Debt was result of identity theft | 17 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 8 |
| False statements or representation | Attempted to collect wrong amount | 8 |
| Written notification about debt | Didn't receive enough information to verify debt | 8 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 5 |
| Attempts to collect debt not owed | Debt was paid | 5 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 4 |
| Written notification about debt | Didn't receive notice of right to dispute | 3 |
| Took or threatened to take negative or legal action | Sued you in a state where you do not live or did not sign for the debt | 1 |
Where do complaints against The Law Offices of Jennifer McCoy, PC come from?
The states where consumers have filed the most CFPB complaints against The Law Offices of Jennifer McCoy, PC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against The Law Offices of Jennifer McCoy, PC
Across 15 states with at least one filing
- Tennessee
Tennessee
42 complaints
- Georgia 11
Georgia
11 complaints
- Florida 8
Florida
8 complaints
- Kentucky 4
Kentucky
4 complaints
- Arkansas 2
Arkansas
2 complaints
- New Hampshire 2
New Hampshire
2 complaints
- Massachusetts 1
Massachusetts
1 complaints
- Washington 1
Washington
1 complaints
Frequently Asked Questions
What is the most common complaint against The Law Offices of Jennifer McCoy, PC? ▼
The most common issue consumers report about The Law Offices of Jennifer McCoy, PC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 79 complaints filed with the CFPB.
Are complaints against The Law Offices of Jennifer McCoy, PC increasing or decreasing? ▼
Complaints against The Law Offices of Jennifer McCoy, PC have been stable. The company received 23 complaints in the last 12 months.
What is The Law Offices of Jennifer McCoy, PC's reputation grade? ▼
The Law Offices of Jennifer McCoy, PC has a reputation grade of D (score: 54.2/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does The Law Offices of Jennifer McCoy, PC respond to consumer complaints? ▼
The Law Offices of Jennifer McCoy, PC has a 100% timely response rate to CFPB complaints.
In how many states does The Law Offices of Jennifer McCoy, PC operate? ▼
The Law Offices of Jennifer McCoy, PC has received CFPB complaints from consumers in 15 states, with the most complaints from Tennessee (42 complaints).
What can I do if The Law Offices of Jennifer McCoy, PC 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 Offices of Jennifer McCoy, PC 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 |