CFPB Consumer Complaint Profile
Esser, James & Associates
Consumers have filed 33 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 33
- Total complaints
- Mid-range
- 0
- Last 12 months
- 97%
- Timely response
- Below median
- 17
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Esser, James & Associates sits at #2243, with 33 complaints logged. Its on-time response rate is 97%, the 39th percentile among companies with 100+ complaints.
- #2243
- of 3,843 companies by volume
- 97%
- on time (39th pctile)
- Debt collection
- most-complained product
- 17
- 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.
Esser, James & Associates vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
97% Around the middle higher than 39% 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 2016 to 2017 complete years
- Annual CFPB complaint volume moved from 12 in 2016 to 1 in 2017 (2016 → 2017).
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 |
|---|---|
| 2014 | 6 |
| 2015 | 14 |
| 2016 | 12 |
| 2017 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Esser, James & Associates
The CFPB Consumer Complaint Database has logged 33 complaints against Esser, James & Associates overall, with 0 of those filed in the trailing 12 months. Reports have come from consumers in 17 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. Inside that category, "Improper contact or sharing of info" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Within the Bureau's 15-day response window, Esser, James & Associates posts a 97% reply rate on forwarded complaints. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. The company's response carried a 30.3% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. 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 Esser, James & Associates have?
Esser, James & Associates has 33 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does Esser, James & Associates respond to complaints on time?
Esser, James & Associates's CFPB timely-response rate is 97%. That is a strong response record by CFPB standards.
What product generates the most complaints for Esser, James & Associates?
The most complained-about product for Esser, James & Associates is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Esser, James & Associates?
"Improper contact or sharing of info" is the single most frequently cited issue in complaints against Esser, James & Associates - see all issues and counts above.
How do I file a complaint against Esser, James & Associates?
You can file a complaint against Esser, James & Associates 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 Esser, James & Associates?
Consumers in 17 states and territories have filed complaints about Esser, James & Associates 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Esser, James & Associates: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (30.3% here).
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.