CFPB Consumer Complaint Profile
Malcolm S. Gerald and Associates, Inc.
Consumers have filed 73 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 73
- Total complaints
- Mid-range
- 0
- Last 12 months
- 68.5%
- Timely response
- Bottom decile
- 25
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Malcolm S. Gerald and Associates, Inc. has accumulated 73 complaints, placing it #1525 by volume. On-time replies land at 68.5%, the 6th percentile for the 100+ complaint peer group.
- #1525
- of 3,843 companies by volume
- 68.5%
- on time (6th pctile)
- Debt collection
- most-complained product
- 25
- 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.
Malcolm S. Gerald and Associates, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
68.5% Among the lowest higher than 6% 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
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 7 |
| 2014 | 21 |
| 2015 | 20 |
| 2016 | 14 |
| 2017 | 4 |
| 2018 | 4 |
| 2019 | 2 |
| 2020 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Malcolm S. Gerald and Associates, Inc.
73 complaints against Malcolm S. Gerald and Associates, Inc. appear in the CFPB record, including 0 from the trailing year. The 25 states and territories represented put this footprint in multi-regional territory. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. The specific issue named most within that category is "Cont'd attempts collect debt not owed," a reasonable starting point for understanding recurring friction.
CFPB-forwarded complaints against Malcolm S. Gerald and Associates, Inc. draw a 68.5% reply rate inside the Bureau's 15-day window. That trails the 95% benchmark badly, a red flag given how strongly late or missing responses predict CFPB supervisory attention. Consumers formally disputed the company's response at a 17.7% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 5.5% rate.
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 Malcolm S. Gerald and Associates, Inc. have?
Malcolm S. Gerald and Associates, Inc. has 73 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does Malcolm S. Gerald and Associates, Inc. respond to complaints on time?
Malcolm S. Gerald and Associates, Inc.'s CFPB timely-response rate is 68.5%. This is below the typical industry benchmark of 95%.
What product generates the most complaints for Malcolm S. Gerald and Associates, Inc.?
"Debt collection" draws more CFPB complaints against Malcolm S. Gerald and Associates, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Malcolm S. Gerald and Associates, Inc.?
The most common issue reported by consumers about Malcolm S. Gerald and Associates, Inc. is "Cont'd attempts collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against Malcolm S. Gerald and Associates, Inc.?
You can file a complaint against Malcolm S. Gerald and Associates, 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 Malcolm S. Gerald and Associates, Inc.?
Consumers in 25 states and territories have filed complaints about Malcolm S. Gerald and Associates, Inc. with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Malcolm S. Gerald and Associates, 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 dispute rates
Nearest companies by share of complaints marked disputed (17.7% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Malcolm S. Gerald and Associates, Inc. have?
Malcolm S. Gerald and Associates, Inc. has 73 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does Malcolm S. Gerald and Associates, Inc. respond to complaints on time?
Malcolm S. Gerald and Associates, Inc.'s CFPB timely-response rate is 68.5%. This is below the typical industry benchmark of 95%.
What product generates the most complaints for Malcolm S. Gerald and Associates, Inc.?
"Debt collection" draws more CFPB complaints against Malcolm S. Gerald and Associates, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Malcolm S. Gerald and Associates, Inc.?
The most common issue reported by consumers about Malcolm S. Gerald and Associates, Inc. is "Cont'd attempts collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against Malcolm S. Gerald and Associates, Inc.?
You can file a complaint against Malcolm S. Gerald and Associates, 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 Malcolm S. Gerald and Associates, Inc.?
Consumers in 25 states and territories have filed complaints about Malcolm S. Gerald and Associates, Inc. with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.