Total CFPB complaints
7
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 7 complaints
White Jacobs & Associates — 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 White Jacobs & Associates
- Didn't provide services promised
Didn't provide services promised
5 complaints
- Problem with customer service 1
Problem with customer service
1 complaints
- Charged upfront or unexpected fees 1
Charged upfront or unexpected fees
1 complaints
F
Grade F · 43.7/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about White Jacobs & Associates?
White Jacobs & Associates has accumulated 7 total CFPB complaints across 4 states, with 4 filed in the most recent 12 months against 3 historical complaints before that window. The trailing-12-month volume represents 57.1% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Didn't provide services promised", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 29% 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 4 states, led by Texas with 2 and New York with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 43.7/100 places White Jacobs & Associates in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
4
57.1% of total history
Rising ↑
States active
4
Distinct state filings
Timely response rate
29%
Within CFPB SLA window
Reputation grade
F
43.7/100 composite
Response-quality profile
How White Jacobs & Associates performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 28.6%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 7.1%
Share of US states + territories with at least one filed complaint against this collector.
How does White Jacobs & Associates compare to its peers?
White Jacobs & Associa… 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)
2023-11 2026-02
Top Consumer Issues
Didn't provide services promised5 (%)
Problem with customer service1 (%)
Charged upfront or unexpected fees1 (%)
Most common issue: Didn't provide services promised
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 |
|---|---|---|
| Didn't provide services promised | — | 5 |
| Problem with customer service | — | 1 |
| Charged upfront or unexpected fees | — | 1 |
Where do complaints against White Jacobs & Associates come from?
The states where consumers have filed the most CFPB complaints against White Jacobs & Associates. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against White Jacobs & Associates
Across 4 states with at least one filing
- Texas
Texas
2 complaints
- New York
New York
2 complaints
- Florida
Florida
2 complaints
- North Carolina
North Carolina
1 complaints
Frequently Asked Questions
What is the most common complaint against White Jacobs & Associates? ▼
The most common issue consumers report about White Jacobs & Associates is "Didn't provide services promised". This is based on 7 complaints filed with the CFPB.
Are complaints against White Jacobs & Associates increasing or decreasing? ▼
Complaints against White Jacobs & Associates are rising. The company received 4 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is White Jacobs & Associates's reputation grade? ▼
White Jacobs & Associates has a reputation grade of F (score: 43.7/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does White Jacobs & Associates respond to consumer complaints? ▼
White Jacobs & Associates has a 29% timely response rate to CFPB complaints.
In how many states does White Jacobs & Associates operate? ▼
White Jacobs & Associates has received CFPB complaints from consumers in 4 states, with the most complaints from Texas (2 complaints).
What can I do if White Jacobs & Associates 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 White Jacobs & Associates 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 |