2026 data Public-data reference. official source

Messerli & Kramer P.A.

A federal complaint-record lookup, not a rating from us.

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Debt Collector, CFPB Complaint Profile Specializes in: Credit card debt

CFPB collection forwarding receipt

Forwarded record DC-MESSERLI-KRAMER-P- Messerli & Kramer P.A.

351 DC complaints · rank #236/656 · 99.5% timely

  • DC 351
  • RANK #236/656
  • TIMELY 99.5%
  • RELIEF 2.2%
  • DISPUTE 24.5%
  • STATES 14
  • ISSUE Took or threatened to take…
  • RESP Closed with explanation
  • PHOTO Oliphant United, Inc.

Volume peers

Photo peer: Oliphant United, Inc. (352)

Oliphant United, Inc.352American Profit Recovery, In…352A.R.M. Solutions, Inc.352Messerli & Kramer P.A. (this)351
Debt-collection complaint volume neighbourhood (this collector + nearest volume peers)

Messerli & Kramer P.A.'s 351 debt-collection complaints sit next to Oliphant United, Inc. (352) on the volume neighbourhood; peer NAMES stay, and the receipt VALUES are this collector's. Full complaint profile for Messerli & Kramer P.A. →

Debt Collection Complaint Breakdown

Credit card debt 196
Credit card 68
I do not know 47
Other (i.e. phone, health club, etc.) 13
Other debt 13
Auto debt 10
Medical debt 2
Auto 1
Private student loan debt 1

Top Complaint Issues

1.Took or threatened to take negative or legal action 89
2.Attempts to collect debt not owed 61
3.False statements or representation 50
4.Written notification about debt 44
5.Communication tactics 29
6.Taking/threatening an illegal action 27
7.Cont'd attempts collect debt not owed 18
8.Disclosure verification of debt 13
9.Threatened to contact someone or share information improperly 11
10.Improper contact or sharing of info 9

Company Responses

Closed with explanation 351
Closed 8
Closed with non-monetary relief 8
Consumers who disputed the response 24.5%

Complaints by Year

Year Complaints
2013 4
2014 20
2015 36
2016 24
2017 25
2018 23
2019 21
2020 22
2021 21
2022 27
2023 22
2024 49
2025 63
2026 10

Complaints by State (Top 15)

Minnesota 206
Wisconsin 60
North Dakota 30
Nebraska 21
South Dakota 17
Ohio 8
Iowa 6
Montana 5
Texas 3
New York 2
Georgia 2
Nevada 1
Illinois 1
Pennsylvania 1

What the CFPB Record Shows for Messerli & Kramer P.A.

PlainCredit places Messerli & Kramer P.A. at #236 of 656 debt collectors by CFPB debt-collection complaint volume (64th percentile), matching the Collectors directory ranking. The CFPB has logged 351 debt-collection complaints against Messerli & Kramer P.A., 95.6% of the 367 complaints filed against this entity overall. Consumers in 14 states and territories have filed reports, putting this collection operation in geographically focused territory by complaint volume. "Credit card 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 specific issue named most is "Took or threatened to take negative or legal action," a reasonable starting point for understanding recurring friction with this collector.

The company's timely response rate is 99.5%, meaning that share of CFPB-forwarded complaints received a reply within the 15-day window the Bureau expects. That is at or above benchmark levels, pointing to an intake process working as intended. Of resolved cases, 2.2% 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. In 24.5% of resolved cases, the consumer formally disputed the response - a rough measure of how often the first resolution missed the mark.

Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.

Full complaint profile for Messerli & Kramer P.A. → · All debt collectors →

Nationwide collectors with similar complaint volume or dispute rates

Two CFPB peer sets for Messerli & Kramer P.A.: nearest debt collectors by debt-collection complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the volume strip on the forwarding receipt above.

Similar complaint volume

Nearest collectors by debt-collection complaint count (351 here).

A.R.M. Solutions, Inc. 352 American Profit Recovery, Inc., Marlborough, MA Branch 352 Oliphant United, Inc. 352 Medical Business Bureau 349

Similar dispute rates

Nearest collectors by share of complaints marked disputed (24.5% here).

National Credit Systems,Inc. 24.5% Zwicker & Associates 24.5% Gold Key Credit, Inc. 24.4% RentDebt Automated Collections, LLC 24.4%

Frequently asked questions

How many CFPB debt-collection complaints does Messerli & Kramer P.A. have?

The CFPB extract lists 351 debt-collection complaints against Messerli & Kramer P.A. (#236 of 656 collectors by volume).

Does Messerli & Kramer P.A. respond to CFPB complaints on time?

Messerli & Kramer P.A.'s timely response rate on CFPB complaints is 99.5%.

What issue do consumers cite most about Messerli & Kramer P.A.?

"Took or threatened to take negative or legal action" is the leading issue tag on Messerli & Kramer P.A.'s CFPB complaint record.

How should I read Messerli & Kramer P.A.'s CFPB complaint record?

Treat the counts as a public complaint record, not a credit score or legal finding. Pair this page with PlainCredit guides on debt-collection rights and how to file a CFPB complaint if you have an active dispute.

Related guides: Debt collection rights · How to file a CFPB complaint · Reading CFPB complaint data

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.