CFPB Consumer Complaint Profile

J J Marshall & Associates, Inc

Consumers have filed 256 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.

Data updated 2026-05-15

256
Total complaints
61
Last 12 months
99.2%
Timely response
26
States affected

The verdict

Out of 3,848 financial companies in the CFPB database, J J Marshall & Associates, Inc has accumulated 256 complaints, placing it #778 by volume. Its on-time response rate is 99.2%, ahead of the 93% median among companies with 100+ complaints.

#778
of 3,848 companies by volume
99.2%
answered on time
Debt collection
most-complained product
26
states with complaints
J J Marshall & Associates, Inc timely response rate 99.2%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Debt collection - I do not know 70
Debt collection - Other debt 45
Debt collection - Rental debt 42
Credit reporting or other personal consumer reports - Credit reporting 31
Debt collection - Medical debt 16
Debt collection - Credit card debt 15
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 10
Debt collection - Other (i.e. phone, health club, etc.) 5
Debt collection - Medical 4
Debt collection - Auto debt 3

Top Issues

1.Attempts to collect debt not owed 83
2.Written notification about debt 37
3.Took or threatened to take negative or legal action 34
4.False statements or representation 28
5.Improper use of your report 17
6.Incorrect information on your report 14
7.Cont'd attempts collect debt not owed 9
8.Problem with a company's investigation into an existing problem 9
9.Communication tactics 9
10.Threatened to contact someone or share information improperly 3

Complaints by Year

Year Complaints
2015 4
2016 13
2017 6
2018 11
2019 16
2020 10
2021 12
2022 23
2023 28
2024 56
2025 55
2026 22

Complaints by State (Top 15)

Michigan 149
Georgia 18
South Carolina 12
Illinois 12
Texas 11
Indiana 11
Ohio 7
Florida 6
North Carolina 3
Virginia 3
Alabama 3
Wisconsin 2
California 2
Maryland 2
New Jersey 2

Company Responses

Closed with explanation 254
In progress 2

What the CFPB Complaint Record Shows for J J Marshall & Associates, Inc

J J Marshall & Associates, Inc carries 256 complaints in the CFPB's database, 61 of them filed within the past 12 months. Consumers spanning 26 states and territories have weighed in, giving this a multi-regional footprint. "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.

99.2% of CFPB-forwarded complaints against J J Marshall & Associates, Inc get a reply inside the Bureau's 15-day window. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. In 33.3% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 0% closed with the consumer receiving monetary or non-monetary relief.

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 (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 J J Marshall & Associates, Inc have?

The CFPB has logged 256 complaints against J J Marshall & Associates, Inc to date, of which 61 came in over the last 12 months.

Does J J Marshall & Associates, Inc respond to complaints on time?

J J Marshall & Associates, Inc has a 99.2% timely response rate to CFPB complaints. This is considered excellent.

What product generates the most complaints for J J Marshall & Associates, Inc?

Among all products tied to J J Marshall & Associates, Inc, "Debt collection" accounts for the largest share of complaints (full breakdown above).

What is the most common complaint issue with J J Marshall & Associates, Inc?

Consumers most often cite "Attempts to collect debt not owed" when complaining about J J Marshall & Associates, Inc; the full issue list with counts is above.

How do I file a complaint against J J Marshall & Associates, Inc?

You can file a complaint against J J Marshall & Associates, 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 J J Marshall & Associates, Inc?

Consumers in 26 states and territories have filed complaints about J J Marshall & Associates, Inc 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.

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