Forster & Garbus LLP

CFPB Consumer Complaint Profile

285
Total Complaints
0
Last 12 Months
97.2%
Timely Response
15
States Affected
Forster & Garbus LLP timely response rate 97.2%
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 — Credit card debt 84
Debt collection — Credit card 62
Debt collection — I do not know 50
Debt collection — Private student loan debt 23
Debt collection — Other (i.e. phone, health club, etc.) 19
Debt collection — Other debt 11
Student loan — Private student loan 6
Debt collection — Federal student loan debt 5
Debt collection — Non-federal student loan 4
Student loan — Non-federal student loan 4

Top Issues

1.Took or threatened to take negative or legal action 53
2.False statements or representation 35
3.Attempts to collect debt not owed 35
4.Written notification about debt 34
5.Taking/threatening an illegal action 25
6.Disclosure verification of debt 23
7.Communication tactics 22
8.Cont'd attempts collect debt not owed 20
9.Improper contact or sharing of info 7
10.Dealing with your lender or servicer 6

Complaints by Year

Year Complaints
2013 10
2014 33
2015 37
2016 25
2017 22
2018 28
2019 27
2020 18
2021 12
2022 17
2023 42
2024 14

Complaints by State (Top 15)

New York 254
New Jersey 9
Florida 3
North Carolina 2
Connecticut 2
Texas 2
South Carolina 2
New Mexico 2
Michigan 1
Nevada 1
Pennsylvania 1
Washington 1
Virginia 1
District of Columbia 1
California 1

Company Responses

Closed with explanation 277
Closed with non-monetary relief 7
Closed 1

What the CFPB Complaint Record Shows for Forster & Garbus LLP

The CFPB Consumer Complaint Database has logged 285 complaints against Forster & Garbus LLP overall, with 0 of those filed in the trailing 12 months. Reports have come from consumers in 15 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 "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.

Forster & Garbus LLP's timely response rate stands at 97.2%, 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 23.7% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Of complaints that were resolved, 2.5% 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 Forster & Garbus LLP have?

Forster & Garbus LLP has 285 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.

Does Forster & Garbus LLP respond to complaints on time?

Forster & Garbus LLP has a 97.2% timely response rate to CFPB complaints. This is considered excellent.

What product generates the most complaints for Forster & Garbus LLP?

The most complained-about product for Forster & Garbus LLP is "Debt collection." You can view the full product breakdown on this page.

What is the most common complaint issue with Forster & Garbus LLP?

The most common issue reported by consumers about Forster & Garbus LLP is "Took or threatened to take negative or legal action." All complaint issues are listed above with their counts.

How do I file a complaint against Forster & Garbus LLP?

You can file a complaint against Forster & Garbus LLP 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 Forster & Garbus LLP?

Consumers in 15 states and territories have filed complaints about Forster & Garbus LLP with the CFPB.

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

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