Javitch, Block & Rathbone LLC

CFPB Consumer Complaint Profile

295
Total Complaints
83
Last 12 Months
99.3%
Timely Response
17
States Affected
Javitch, Block & Rathbone LLC timely response rate 99.3%
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 123
Debt collection — I do not know 52
Debt collection — Credit card 25
Debt collection — Other debt 17
Debt collection — Other (i.e. phone, health club, etc.) 14
Debt collection — Auto debt 14
Debt collection — Non-federal student loan 10
Student loan — Private student loan 7
Debt collection — Private student loan debt 7
Credit reporting or other personal consumer reports — Credit reporting 6

Top Issues

1.Took or threatened to take negative or legal action 75
2.Written notification about debt 45
3.False statements or representation 44
4.Attempts to collect debt not owed 42
5.Communication tactics 25
6.Cont'd attempts collect debt not owed 20
7.Taking/threatening an illegal action 9
8.Dealing with your lender or servicer 5
9.Incorrect information on your report 5
10.Disclosure verification of debt 3

Complaints by Year

Year Complaints
2013 8
2014 14
2015 16
2016 14
2017 22
2018 11
2019 15
2020 6
2021 18
2022 19
2023 26
2024 29
2025 84
2026 13

Complaints by State (Top 15)

Ohio 107
Texas 85
Tennessee 40
Indiana 22
Kentucky 19
West Virginia 6
Virginia 2
California 2
Georgia 2
Washington 2
Nevada 1
Florida 1
Pennsylvania 1
Louisiana 1
North Carolina 1

Company Responses

Closed with explanation 295

What the CFPB Complaint Record Shows for Javitch, Block & Rathbone LLC

The CFPB Consumer Complaint Database has logged 295 complaints against Javitch, Block & Rathbone LLC overall, with 83 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. 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.

Javitch, Block & Rathbone LLC's timely response rate stands at 99.3%, 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 34.5% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Of complaints that were resolved, 0% 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 Javitch, Block & Rathbone LLC have?

Javitch, Block & Rathbone LLC has 295 total consumer complaints filed with the CFPB, with 83 filed in the last 12 months.

Does Javitch, Block & Rathbone LLC respond to complaints on time?

Javitch, Block & Rathbone LLC has a 99.3% timely response rate to CFPB complaints. This is considered excellent.

What product generates the most complaints for Javitch, Block & Rathbone LLC?

The most complained-about product for Javitch, Block & Rathbone LLC is "Debt collection." You can view the full product breakdown on this page.

What is the most common complaint issue with Javitch, Block & Rathbone LLC?

The most common issue reported by consumers about Javitch, Block & Rathbone LLC 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 Javitch, Block & Rathbone LLC?

You can file a complaint against Javitch, Block & Rathbone 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 Javitch, Block & Rathbone LLC?

Consumers in 17 states and territories have filed complaints about Javitch, Block & Rathbone LLC with the CFPB.

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

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