CFPB Consumer Complaint Profile

John C. Heath, Attorney at Law, PLLC

What 2,088 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.

Data updated 2026-05-15

2,088
Total complaints
250
Last 12 months
93.7%
Timely response
50
States affected

The verdict

Out of 3,848 financial companies in the CFPB database, John C. Heath, Attorney at Law, PLLC has accumulated 2,088 complaints, placing it #202 by volume. 93.7% of its complaints get an on-time reply, beating the 93% median for the 100+ complaint peer group.

#202
of 3,848 companies by volume
93.7%
answered on time
Debt or credit manag…
most-complained product
50
states with complaints
John C. Heath, Attorney at Law, PLLC timely response rate 93.7%
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 or credit management - Credit repair services 793
Credit reporting or other personal consumer reports - Credit reporting 453
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services 433
Credit reporting or other personal consumer reports - Other personal consumer report 66
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 64
Other financial service - Credit repair 34
Debt collection - I do not know 32
Debt or credit management - Debt settlement 31
Checking or savings account - Checking account 24
Money transfer, virtual currency, or money service - Money order, traveler's check or cashier's check 22

Top Issues

1.Didn't provide services promised 343
2.Charged upfront or unexpected fees 301
3.Fraud or scam 228
4.Confusing or misleading advertising or marketing 206
5.Improper use of your report 137
6.Problem with a company's investigation into an existing problem 125
7.Credit monitoring or identity theft protection services 116
8.Incorrect information on your report 103
9.Problem with customer service 75
10.Confusing or missing disclosures 73

Complaints by Year

Year Complaints
2014 10
2015 15
2016 18
2017 48
2018 59
2019 89
2020 98
2021 90
2022 85
2023 147
2024 584
2025 845

Complaints by State (Top 15)

Texas 225
Georgia 206
South Carolina 168
Florida 147
California 137
New York 90
Michigan 81
Pennsylvania 72
North Carolina 71
Illinois 71
Virginia 62
Alabama 60
Maryland 58
Louisiana 54
Ohio 52

Company Responses

Closed with explanation 2,024
Closed with monetary relief 59
Closed with non-monetary relief 5

What the CFPB Complaint Record Shows for John C. Heath, Attorney at Law, PLLC

John C. Heath, Attorney at Law, PLLC carries 2,088 complaints in the CFPB's database, 250 of them filed within the past 12 months. Consumers spanning 50 states and territories have weighed in, giving this a nationwide footprint. "Debt or credit management" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Didn't provide services promised" 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, John C. Heath, Attorney at Law, PLLC answers 93.7% of forwarded complaints. That falls short of the 95% benchmark, a gap that tends to track with more disputes downstream. In 8% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. Of complaints that were resolved, 3.1% 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 (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 John C. Heath, Attorney at Law, PLLC have?

2,088 complaints have been filed against John C. Heath, Attorney at Law, PLLC with the CFPB overall - 250 of them in the past year.

Does John C. Heath, Attorney at Law, PLLC respond to complaints on time?

John C. Heath, Attorney at Law, PLLC's CFPB timely-response rate is 93.7%.

What product generates the most complaints for John C. Heath, Attorney at Law, PLLC?

Among all products tied to John C. Heath, Attorney at Law, PLLC, "Debt or credit management" accounts for the largest share of complaints (full breakdown above).

What is the most common complaint issue with John C. Heath, Attorney at Law, PLLC?

The most common issue reported by consumers about John C. Heath, Attorney at Law, PLLC is "Didn't provide services promised." All complaint issues are listed above with their counts.

How do I file a complaint against John C. Heath, Attorney at Law, PLLC?

You can file a complaint against John C. Heath, Attorney at Law, PLLC 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 John C. Heath, Attorney at Law, PLLC?

Consumers in 50 states and territories have filed complaints about John C. Heath, Attorney at Law, PLLC 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.

Similar Companies

Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

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

Read our methodology - how this data is sourced, computed, and verified.