GMA Investments, LLC
A federal complaint-record lookup, not a rating from us.
Debt Collector, CFPB Complaint Profile Specializes in: Payday loan debt
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Most consumers facing collection complaints carry utilization in the Fair-Poor band. FICO bands per myFICO + Experian guidance.
FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.
Complaints by Year
| Year | Complaints |
|---|---|
| 2015 | 33 |
| 2016 | 29 |
| 2017 | 34 |
| 2018 | 28 |
| 2019 | 25 |
| 2020 | 5 |
| 2022 | 1 |
| 2024 | 14 |
| 2025 | 22 |
| 2026 | 5 |
Complaints by State (Top 15)
Other Complaint Types
Your Rights with Debt Collectors
The Fair Debt Collection Practices Act (FDCPA) protects you from abusive, unfair, and deceptive collection practices.
- Request written verification of any debt within 30 days of first contact
- Dispute a debt if you believe it is incorrect or does not belong to you
- Demand the collector stop contacting you (in writing)
- File a complaint with the CFPB at consumerfinance.gov/complaint
What the CFPB Record Shows for GMA Investments, LLC
The CFPB has logged 182 debt-collection complaints against GMA Investments, LLC, 92.9% of the 196 complaints filed against this entity overall. Consumers in 36 states and territories have filed reports, putting this collection operation in multi-state territory by complaint volume. "Payday loan debt" is the debt type named most often in complaints against this collector, the category consumers reach for most when filing a CFPB report. The single most-cited specific issue is "Communication tactics" - a useful starting point for understanding where the friction between this collector and consumers most frequently occurs.
The company's timely response rate is 45.4%, meaning that share of CFPB-forwarded complaints received a reply within the 15-day window the Bureau expects. That is far under the 95% benchmark, a material red flag since late or missing responses are strongly linked to CFPB supervisory action against collectors. Of resolved cases, 2% closed with monetary or non-monetary relief to the consumer, which is a notably low relief ratio and worth weighing against the disputed-response percentage. The response was formally disputed in 16.7% of resolved cases, indicating how frequently the initial fix fell short.
How to read these numbers, and what to do if you're disputing a charge
Complaint volume alone does not prove wrongdoing, larger collection portfolios naturally produce more complaints, but the combination of timely-response rate, relief ratio, and dispute rate above gives a reasonable empirical picture of how this collector handles consumer interactions. Anyone in active dispute with this company should keep written records, use certified mail for verification requests (see your FDCPA rights above), and consider filing a CFPB complaint if standard resolution channels stall.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Frequently Asked Questions
How many debt collection complaints does GMA Investments, LLC have?
182 debt-collection complaints against GMA Investments, LLC appear in the CFPB record - 92.9% of the company's total complaint volume.
Does GMA Investments, LLC respond to complaints on time?
GMA Investments, LLC's CFPB timely-response rate is 45.4%. That trails the 95% industry benchmark by a wide margin.
Does GMA Investments, LLC provide relief to consumers?
GMA Investments, LLC closed 2% of resolved complaints with some form of consumer relief, monetary or non-monetary.
What type of debt does GMA Investments, LLC primarily collect?
"Payday loan debt" is the debt type GMA Investments, LLC is most associated with in CFPB complaint data - see the full breakdown above.
What rights do I have against GMA Investments, LLC?
Under the Fair Debt Collection Practices Act (FDCPA), you can request written debt verification within 30 days, dispute debts you believe are incorrect, demand the collector stop contacting you in writing, and file a complaint with the CFPB at consumerfinance.gov/complaint.
In how many states is GMA Investments, LLC active?
Consumers in 36 states and territories have filed CFPB complaints against GMA Investments, LLC.
Source: Consumer Financial Protection Bureau Consumer Complaint Database · Q1 2026 Complaints filed against firms, not individuals. Data through March 2026.
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the CFPB Consumer Complaint Database. Consult a qualified professional before making decisions based on this data.
Read our methodology - how this data is sourced, computed, and verified.