CFPB Consumer Complaint Profile
Carmichael & Frost LLC
What 51 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 has accumulated 51 complaints, placing it #1807 by volume. Its on-time response rate is 100%, the 86th percentile among companies with 100+ complaints.
- #1807
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Debt collection
- most-complained product
- 23
- states with complaints
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).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
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
51 complaints against Carmichael & Frost LLC appear in the CFPB record, including 25 from the trailing year. The 23 states and territories represented put this footprint in multi-regional territory. "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.
Carmichael & Frost LLC's timely response rate stands at 100%, 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. Among resolved complaints, 0% closed with some form of monetary or non-monetary relief to the consumer.
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.
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.
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.