CFPB Consumer Complaint Profile
Herbert P. Sears Co., Inc.
Consumers have filed 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
- 454
- Total complaints
- Above average
- 112
- Last 12 months
- 99.8%
- Timely response
- Top decile
- 29
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Herbert P. Sears Co., Inc. places #534 by volume. On response speed it sits at the 79th percentile among companies with 100+ complaints.
- Debt collection
- most-complained product
- CA
- 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.
Herbert P. Sears Co., Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.8% Top 21% higher than 79% 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 75 in 2024 to 92 in 2025 (2024 → 2025).
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 7 |
| 2014 | 14 |
| 2015 | 24 |
| 2016 | 20 |
| 2017 | 17 |
| 2018 | 27 |
| 2019 | 20 |
| 2020 | 23 |
| 2021 | 46 |
| 2022 | 25 |
| 2023 | 32 |
| 2024 | 75 |
| 2025 | 92 |
| 2026year in progress | 32 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Herbert P. Sears Co., Inc.
The CFPB Consumer Complaint Database shows a multi-regional complaint footprint for Herbert P. Sears Co., Inc., with consumers across the country filing against it. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, the timely-response measure shows how often forwarded complaints get a reply. This company's rate is at or above the industry benchmark, which suggests its intake and escalation processes are functioning as designed. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Herbert P. Sears Co., Inc.: 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 (9% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Herbert P. Sears Co., Inc. have?
The CFPB has logged 454 complaints against Herbert P. Sears Co., Inc. to date, of which 112 came in over the last 12 months.
Does Herbert P. Sears Co., Inc. respond to complaints on time?
Herbert P. Sears Co., Inc.'s CFPB timely-response rate is 99.8%. This is considered excellent.
What product generates the most complaints for Herbert P. Sears Co., Inc.?
Among all products tied to Herbert P. Sears Co., Inc., "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Herbert P. Sears Co., Inc.?
Consumers most often cite "Attempts to collect debt not owed" when complaining about Herbert P. Sears Co., Inc.; the full issue list with counts is above.
How do I file a complaint against Herbert P. Sears Co., Inc.?
You can file a complaint against Herbert P. Sears Co., Inc. 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 Herbert P. Sears Co., Inc.?
Herbert P. Sears Co., Inc. has drawn CFPB complaints from 29 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.