What is the most common complaint against Underwood James and Associates LLC?

The most common issue consumers report about Underwood James and Associates LLC is "False statements or representation", specifically "Impersonated an attorney or official". This is based on 2 complaints filed with the CFPB.

Are complaints against Underwood James and Associates LLC increasing or decreasing?

Complaints against Underwood James and Associates LLC are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Underwood James and Associates LLC's reputation grade?

Underwood James and Associates LLC has a reputation grade of D (score: 51.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Underwood James and Associates LLC respond to consumer complaints?

Underwood James and Associates LLC has a 0% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Underwood James and Associates LLC operate?

Underwood James and Associates LLC has received CFPB complaints from consumers in 1 states, with the most complaints from Florida (2 complaints).

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

Underwood James and Associates LLC - Debt Collector Complaint Profile

CFPB complaint profile across 1 states, reputation grade D.

Compiled by PlainCollector

False statements or representation

1
Taking/threatening an illegal action

1

Data updated September 2026

CFPB complaint disposition

CCDB record underwood-james-and-associates-llc Underwood James and Associates LLC

Grade D · 2 CFPB filings · 0% timely · lead issue: False statements or representation · vol #4382 · compose #3987

VOL 2
GRADE D
12MO 0
STATES 1
TIMELY 0%
DISPUTE 0%
ISSUE False statements or repres…
RANK #4,382
COMPOSE #3,987

Volume peers

Nearest volume peer: 1 Auto Finance, Inc. (2 complaints)

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

Underwood James and Associates LLC's 2 CFPB complaints sit next to 1 Auto Finance, 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

100.0% of Underwood James and Associates LLC'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 100.0%; 2 of 2 filings · 1 states touched
Spike month: 2024-07 50.0%; 1 filings that month · spiky (≥15% of series)
Corpus ranks: #4,382 volume; #3,987 composite; Among 5,420 volume-ranked / 5,278 scored collectors

How does Underwood James and Associates LLC compare to its peers?

How does Underwood James and Associates LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Underwood James and As… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

50%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-07 2025-11

Issue Detail Breakdown

Issue	Complaints
False statements or representation	1
Taking/threatening an illegal action	1

Where do complaints against Underwood James and Associates LLC come from?

Underwood James and Associates LLC's own per-state count, not a national baseline.

Florida

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Underwood James and Associates LLC: 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: 2.

4 peers

Know your rights before responding to Underwood James and Associates LLC: 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.