LJ Ross Associates
A federal complaint-record lookup, not a rating from us.
Debt Collector, CFPB Complaint Profile Specializes in: Other 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 |
|---|---|
| 2013 | 4 |
| 2014 | 10 |
| 2015 | 26 |
| 2016 | 39 |
| 2017 | 61 |
| 2018 | 55 |
| 2019 | 71 |
| 2020 | 130 |
| 2021 | 158 |
| 2022 | 142 |
| 2023 | 222 |
| 2024 | 368 |
| 2025 | 748 |
| 2026 | 243 |
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 LJ Ross Associates
The CFPB has logged 1,786 debt-collection complaints against LJ Ross Associates, 78.4% of the 2,277 complaints filed against this entity overall. Consumers in 47 states and territories have filed reports, putting this collection operation in nationwide territory by complaint volume. "Other debt" is the debt type named most often in complaints against this collector, the category consumers reach for most when filing a CFPB report. "Attempts to collect debt not owed" comes up most often as the specific issue cited - worth a look for anyone trying to spot this collector's recurring pain point.
Within the Bureau's 15-day response window, this company answers 99.9% of forwarded complaints. That is at or above benchmark levels, pointing to an intake process working as intended. Among resolved cases, 0.4% ended with monetary or non-monetary relief to the consumer - a notably low rate worth weighing against the dispute percentage. Consumers formally disputed the company's response in 23% of resolved cases, signalling how often the initial resolution failed to satisfy the complainant.
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 LJ Ross Associates have?
LJ Ross Associates has 1,786 debt collection complaints filed with the CFPB, representing 78.4% of all complaints against this company.
Does LJ Ross Associates respond to complaints on time?
99.9% of the CFPB complaints against LJ Ross Associates get a response within the expected window. This is considered excellent.
Does LJ Ross Associates provide relief to consumers?
LJ Ross Associates closed 0.4% of resolved complaints with some form of consumer relief, monetary or non-monetary.
What type of debt does LJ Ross Associates primarily collect?
Based on CFPB complaint records, LJ Ross Associates's primary debt type is "Other debt"; the complete breakdown is shown above.
What rights do I have against LJ Ross Associates?
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 LJ Ross Associates active?
Consumers in 47 states and territories have filed CFPB complaints against LJ Ross Associates.
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.