CFPB Consumer Complaint Profile
LJ Ross Associates
The CFPB complaints on file trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 2,277
- Total complaints
- Among the highest
- 844
- Last 12 months
- 99.9%
- Timely response
- Top decile
- 47
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, LJ Ross Associates sits at #194. Its on-time response record is at the 82nd percentile among companies with 100+ complaints.
- Debt collection
- most-complained product
- MI
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
LJ Ross Associates vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.9% Top 18% higher than 82% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 368 in 2024 to 748 in 2025 (2024 → 2025).
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
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 |
| 2026year in progress | 243 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for LJ Ross Associates
LJ Ross Associates draws a nationwide spread of CFPB complaints, filed by consumers in many parts of the country. "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, the timely-response measure shows how often forwarded complaints get a reply. This company's rate is at or above benchmark levels, a sign it handles intake and escalation well. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
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, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for LJ Ross Associates: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar complaint volume
Nearest companies by total CFPB complaint count.
Similar dispute rates
Nearest companies by share of complaints marked disputed (23% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
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?
CFPB complaints against LJ Ross Associates draw a 99.9% timely-response rate inside 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.