CFPB Consumer Complaint Profile

LJ Ross Associates

2,277 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.

Data updated 2026-05-15

2,277
Total complaints
844
Last 12 months
99.9%
Timely response
47
States affected

The verdict

Among 3,848 financial companies tracked by CFPB complaint volume, LJ Ross Associates sits at #194, with 2,277 complaints logged. Its on-time response rate is 99.9%, ahead of the 93% median among companies with 100+ complaints.

#194
of 3,848 companies by volume
99.9%
answered on time
Debt collection
most-complained product
47
states with complaints
LJ Ross Associates timely response rate 99.9%
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 - Other debt 742
Debt collection - I do not know 713
Credit reporting or other personal consumer reports - Credit reporting 331
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 147
Debt collection - Medical debt 144
Debt collection - Telecommunications debt 55
Debt collection - Other (i.e. phone, health club, etc.) 44
Debt collection - Medical 40
Debt collection - Credit card debt 37
Debt collection - Rental debt 7

Top Issues

1.Attempts to collect debt not owed 885
2.Written notification about debt 346
3.Incorrect information on your report 254
4.False statements or representation 206
5.Took or threatened to take negative or legal action 175
6.Improper use of your report 118
7.Problem with a company's investigation into an existing problem 65
8.Communication tactics 64
9.Cont'd attempts collect debt not owed 44
10.Problem with a credit reporting company's investigation into an existing problem 44

Complaints by Year

Year Complaints
2013 4
2014 10
2015 26
2016 39
2017 61
2018 55
2019 71
2020 130
2021 158
2022 142
2023 222
2024 368
2025 748
2026 243

Complaints by State (Top 15)

Michigan 410
Illinois 306
Florida 223
Maryland 164
Wisconsin 134
Pennsylvania 118
Texas 111
New York 104
Ohio 78
Virginia 64
Georgia 63
California 58
New Jersey 57
Nevada 35
Tennessee 30

Company Responses

Closed with explanation 2,251
Closed 17
Closed with non-monetary relief 9

What the CFPB Complaint Record Shows for LJ Ross Associates

LJ Ross Associates carries 2,277 complaints in the CFPB's database, 844 of them filed within the past 12 months. Consumers spanning 47 states and territories have weighed in, giving this a nationwide footprint. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Attempts to collect debt not owed" 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, LJ Ross Associates answers 99.9% of forwarded complaints. That is at or above benchmark levels, a sign the company handles intake and escalation well. Consumers formally disputed the company's response in 23% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, 0.4% 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 LJ Ross Associates have?

LJ Ross Associates has 2,277 total consumer complaints filed with the CFPB, with 844 filed in the last 12 months.

Does LJ Ross Associates respond to complaints on time?

99.9% of the CFPB complaints against LJ Ross Associates get a response within the expected window. This is considered excellent.

What product generates the most complaints for LJ Ross Associates?

Among all products tied to LJ Ross Associates, "Debt collection" accounts for the largest share of complaints (full breakdown above).

What is the most common complaint issue with LJ Ross Associates?

The most common issue reported by consumers about LJ Ross Associates is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.

How do I file a complaint against LJ Ross Associates?

You can file a complaint against LJ Ross Associates 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 LJ Ross Associates?

The CFPB has recorded complaints against LJ Ross Associates from 47 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.

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.