CFPB Consumer Complaint Profile
Carmichael & Frost LLC
What the consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 51
- Total complaints
- Mid-range
- 25
- Last 12 months
- 100%
- Timely response
- Top decile
- 23
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Carmichael & Frost LLC places #1807 by volume. Its on-time response record is at the 86th percentile among companies with 100+ complaints.
- Debt collection
- most-complained product
- TX
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Carmichael & Frost LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 18 in 2024 to 28 in 2025 (2024 → 2025).
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2023 | 1 |
| 2024 | 18 |
| 2025 | 28 |
| 2026year in progress | 4 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Carmichael & Frost LLC
In the CFPB record, Carmichael & Frost LLC has a multi-regional complaint footprint. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Took or threatened to take negative or legal action" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Timely response is the share of CFPB-forwarded complaints that receive a company reply within the 15-day window the Bureau expects. This company's rate is at or above the industry benchmark, which suggests its intake and escalation processes are functioning as designed. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
How to read complaint counts
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, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
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.
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Carmichael & Frost LLC have?
51 complaints have been filed against Carmichael & Frost LLC with the CFPB overall - 25 of them in the past year.
Does Carmichael & Frost LLC respond to complaints on time?
Carmichael & Frost LLC has a 100% timely response rate to CFPB complaints. That is a strong response record by CFPB standards.
What product generates the most complaints for Carmichael & Frost LLC?
Among all products tied to Carmichael & Frost LLC, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Carmichael & Frost LLC?
Consumers most often cite "Took or threatened to take negative or legal action" when complaining about Carmichael & Frost LLC; the full issue list with counts is above.
How do I file a complaint against Carmichael & Frost LLC?
You can file a complaint against Carmichael & Frost LLC 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 Carmichael & Frost LLC?
Consumers in 23 states and territories have filed complaints about Carmichael & Frost LLC with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.