Arnold Scott Harris, P.C.

CFPB Consumer Complaint Profile

161
Total Complaints
8
Last 12 Months
98.8%
Timely Response
28
States Affected
Arnold Scott Harris, P.C. timely response rate 98.8%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Credit utilization context — why this matters

A primer on how revolving balance ratios shape credit-bureau scoring; useful when reading complaints about account closures and credit-line cuts.

Ideal (+0 to +10)0-10Healthy (~0 to -10)10-30Moderate (-10 to -30)30-50High (-30 to -50)50-75Very high (-45 to -70)75-100Maxed (-60 to -100+)100-12030%

FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.

Complaints by Product

Debt collection — I do not know 74
Debt collection — Other (i.e. phone, health club, etc.) 46
Debt collection — Other debt 16
Debt collection — Medical debt 8
Debt collection — Auto 3
Debt collection — Medical 3
Credit reporting or other personal consumer reports — Credit reporting 2
Debt collection — Credit card 2
Debt collection — Auto debt 2
Debt collection — Non-federal student loan 1

Top Issues

1.Cont'd attempts collect debt not owed 59
2.Attempts to collect debt not owed 24
3.Communication tactics 23
4.Disclosure verification of debt 19
5.False statements or representation 11
6.Written notification about debt 7
7.Took or threatened to take negative or legal action 6
8.Taking/threatening an illegal action 4
9.Improper contact or sharing of info 2
10.Improper use of your report 1

Complaints by Year

Year Complaints
2013 7
2014 33
2015 41
2016 18
2017 13
2018 8
2019 8
2020 5
2021 5
2022 7
2023 3
2024 4
2025 5
2026 4

Complaints by State (Top 15)

Illinois 90
Kansas 7
Wisconsin 7
Missouri 5
Indiana 4
Ohio 4
Arizona 4
Georgia 3
Tennessee 3
Texas 3
California 3
Virginia 3
Iowa 3
Maryland 3
North Carolina 2

Company Responses

Closed with explanation 161

What the CFPB Complaint Record Shows for Arnold Scott Harris, P.C.

The CFPB Consumer Complaint Database has logged 161 complaints against Arnold Scott Harris, P.C. overall, with 8 of those filed in the trailing 12 months. Reports have come from consumers in 28 states and territories, making this a multi-regional complaint footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Cont'd attempts collect debt not owed" — a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.

Arnold Scott Harris, P.C.'s timely response rate stands at 98.8%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Consumers formally disputed the company's response in 22.1% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Of complaints that were resolved, 0% closed with some form of monetary or non-monetary relief to the consumer.

Complaint counts alone do not tell the full story — larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.

Frequently Asked Questions

How many CFPB complaints does Arnold Scott Harris, P.C. have?

Arnold Scott Harris, P.C. has 161 total consumer complaints filed with the CFPB, with 8 filed in the last 12 months.

Does Arnold Scott Harris, P.C. respond to complaints on time?

Arnold Scott Harris, P.C. has a 98.8% timely response rate to CFPB complaints. This is considered excellent.

What product generates the most complaints for Arnold Scott Harris, P.C.?

The most complained-about product for Arnold Scott Harris, P.C. is "Debt collection." You can view the full product breakdown on this page.

What is the most common complaint issue with Arnold Scott Harris, P.C.?

The most common issue reported by consumers about Arnold Scott Harris, P.C. is "Cont'd attempts collect debt not owed." All complaint issues are listed above with their counts.

How do I file a complaint against Arnold Scott Harris, P.C.?

You can file a complaint against Arnold Scott Harris, P.C. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.

In how many states have consumers complained about Arnold Scott Harris, P.C.?

Consumers in 28 states and territories have filed complaints about Arnold Scott Harris, P.C. with the CFPB.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

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