Kramer & Frank, P.C.

CFPB Consumer Complaint Profile

126
Total Complaints
14
Last 12 Months
96.8%
Timely Response
7
States Affected
Kramer & Frank, P.C. timely response rate 96.8%
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 41
Debt collection — Credit card 19
Debt collection — I do not know 11
Debt collection — Other debt 8
Debt collection — Private student loan debt 7
Debt collection — Medical 6
Debt collection — Medical debt 6
Debt collection — Other (i.e. phone, health club, etc.) 5
Debt collection — Non-federal student loan 4
Debt collection — Payday loan debt 4

Top Issues

1.Took or threatened to take negative or legal action 22
2.Written notification about debt 19
3.Attempts to collect debt not owed 18
4.Communication tactics 14
5.False statements or representation 13
6.Cont'd attempts collect debt not owed 10
7.Disclosure verification of debt 10
8.Threatened to contact someone or share information improperly 4
9.Taking/threatening an illegal action 4
10.Improper contact or sharing of info 3

Complaints by Year

Year Complaints
2012 1
2013 4
2014 12
2015 12
2016 12
2017 14
2018 10
2019 9
2020 10
2021 3
2022 6
2023 4
2024 12
2025 17

Complaints by State (Top 15)

Missouri 86
Kansas 28
Arkansas 4
Illinois 4
New Jersey 1
Alabama 1
Maryland 1

Company Responses

Closed with explanation 79
Closed with non-monetary relief 40
Closed with monetary relief 7

What the CFPB Complaint Record Shows for Kramer & Frank, P.C.

The CFPB Consumer Complaint Database has logged 126 complaints against Kramer & Frank, P.C. overall, with 14 of those filed in the trailing 12 months. Reports have come from consumers in 7 states and territories, making this a geographically concentrated 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.

Kramer & Frank, P.C.'s timely response rate stands at 96.8%, 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 29.5% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Of complaints that were resolved, 37.3% 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 Kramer & Frank, P.C. have?

Kramer & Frank, P.C. has 126 total consumer complaints filed with the CFPB, with 14 filed in the last 12 months.

Does Kramer & Frank, P.C. respond to complaints on time?

Kramer & Frank, P.C. has a 96.8% timely response rate to CFPB complaints. This is considered excellent.

What product generates the most complaints for Kramer & Frank, P.C.?

The most complained-about product for Kramer & Frank, P.C. is "Debt collection." You can view the full product breakdown on this page.

What is the most common complaint issue with Kramer & Frank, P.C.?

The most common issue reported by consumers about Kramer & Frank, P.C. 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 Kramer & Frank, P.C.?

You can file a complaint against Kramer & Frank, P.C. 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 Kramer & Frank, P.C.?

Consumers in 7 states and territories have filed complaints about Kramer & Frank, P.C. with the CFPB.

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

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