Total CFPB complaints
3
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 3 complaints
Wator & Associates, P.C — Debt Collector Complaint Profile
CFPB complaint profile across 1 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Wator & Associates, P.C
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
2 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
1 complaints
C
Grade C · 62.5/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Wator & Associates, P.C?
Wator & Associates, P.C has accumulated 3 total CFPB complaints across 1 states, with 0 filed in the most recent 12 months against 3 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt was result of identity theft", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 67% 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 1 states, led by Illinois with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 62.5/100 places Wator & Associates, P.C in grade band C, 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
Falling ↓
States active
1
Distinct state filings
Timely response rate
67%
Within CFPB SLA window
Reputation grade
C
62.5/100 composite
Response-quality profile
How Wator & Associates, P.C performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 66.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 1.8%
Share of US states + territories with at least one filed complaint against this collector.
How does Wator & Associates, P.C compare to its peers?
Wator & Associates, P.… 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)
2022-01 2025-01
Top Consumer Issues
Attempts to collect debt not owed1 (%)
Took or threatened to take negative or legal action2 (%)
Most common issue: Attempts to collect debt not owed — Debt was result of identity theft
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 was result of identity theft | 1 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 1 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 1 |
Where do complaints against Wator & Associates, P.C come from?
The states where consumers have filed the most CFPB complaints against Wator & Associates, P.C. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Wator & Associates, P.C
Across 1 states with at least one filing
- Illinois
Illinois
3 complaints
Frequently Asked Questions
What is the most common complaint against Wator & Associates, P.C? ▼
The most common issue consumers report about Wator & Associates, P.C is "Attempts to collect debt not owed", specifically "Debt was result of identity theft". This is based on 3 complaints filed with the CFPB.
Are complaints against Wator & Associates, P.C increasing or decreasing? ▼
Complaints against Wator & Associates, P.C are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.
What is Wator & Associates, P.C's reputation grade? ▼
Wator & Associates, P.C has a reputation grade of C (score: 62.5/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Wator & Associates, P.C respond to consumer complaints? ▼
Wator & Associates, P.C has a 67% timely response rate to CFPB complaints.
In how many states does Wator & Associates, P.C operate? ▼
Wator & Associates, P.C has received CFPB complaints from consumers in 1 states, with the most complaints from Illinois (3 complaints).
What can I do if Wator & Associates, P.C 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 Wator & Associates, P.C 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 |