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 2026-05-15
- 2,184
- Total complaints
- 916
- Last 12 months
- 97.8%
- Timely response
- 50
- States affected
The verdict
2,184 CFPB complaints put Lockhart, Morris & Montgomery Inc. at #199 out of 3,848 financial companies ranked by complaint volume. 97.8% of its complaints get an on-time reply, beating the 93% median for the 100+ complaint peer group.
- #199
- of 3,848 companies by volume
- 97.8%
- answered on time
- Debt collection
- most-complained product
- 50
- states with complaints
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 |
| 2026 | 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. answers 97.8% of 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 in 16.7% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Of complaints that were resolved, 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 (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 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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~2,184)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.