CFPB Consumer Complaint Profile
Lockhart, Morris & Montgomery Inc.
Behind the 2,184 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 2,184
- Total complaints
- Among the highest
- 916
- Last 12 months
- 97.8%
- Timely response
- Below median
- 50
- States affected
The verdict
2,184 CFPB complaints put Lockhart, Morris & Montgomery Inc. at #199 out of 3,843 financial companies ranked by complaint volume. On-time replies land at 97.8%, the 46th percentile for the 100+ complaint peer group.
- #199
- of 3,843 companies by volume
- 97.8%
- on time (46th pctile)
- Debt collection
- most-complained product
- 50
- states with complaints
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.
Lockhart, Morris & Montgomery Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
97.8% Around the middle higher than 46% 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 471 in 2024 to 817 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 1 |
| 2014 | 5 |
| 2015 | 2 |
| 2016 | 10 |
| 2017 | 14 |
| 2018 | 8 |
| 2019 | 37 |
| 2020 | 58 |
| 2021 | 91 |
| 2022 | 128 |
| 2023 | 245 |
| 2024 | 471 |
| 2025 | 817 |
| 2026year in progress | 297 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Lockhart, Morris & Montgomery Inc.
Lockhart, Morris & Montgomery Inc. carries 2,184 complaints in the CFPB's database, 916 of them filed within the past 12 months. Consumers spanning 50 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. The specific issue named most within that category is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, Lockhart, Morris & Montgomery Inc. posts a 97.8% reply rate on forwarded complaints. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Consumers formally disputed the company's response at a 16.7% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, 0% 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, 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.
Frequently Asked Questions
How many CFPB complaints does Lockhart, Morris & Montgomery Inc. have?
Lockhart, Morris & Montgomery Inc. has 2,184 total consumer complaints filed with the CFPB, with 916 filed in the last 12 months.
Does Lockhart, Morris & Montgomery Inc. respond to complaints on time?
Lockhart, Morris & Montgomery Inc.'s CFPB timely-response rate is 97.8%. This is considered excellent.
What product generates the most complaints for Lockhart, Morris & Montgomery Inc.?
The most complained-about product for Lockhart, Morris & Montgomery Inc. is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Lockhart, Morris & Montgomery Inc.?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against Lockhart, Morris & Montgomery Inc. - see all issues and counts above.
How do I file a complaint against Lockhart, Morris & Montgomery Inc.?
You can file a complaint against Lockhart, Morris & Montgomery Inc. 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 Lockhart, Morris & Montgomery Inc.?
The CFPB has recorded complaints against Lockhart, Morris & Montgomery Inc. from 50 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Lockhart, Morris & Montgomery Inc.: 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 (2,184 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (16.7% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.