CFPB Consumer Complaint Profile
Mel S. Harris and Associates, LLC
Behind the 37 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
- 37
- Total complaints
- Mid-range
- 0
- Last 12 months
- 89.2%
- Timely response
- Bottom quartile
- 4
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Mel S. Harris and Associates, LLC has accumulated 37 complaints, placing it #2112 by volume. It posts a 89.2% on-time response rate, the 17th percentile among companies with 100+ complaints.
- #2112
- of 3,843 companies by volume
- 89.2%
- on time (17th pctile)
- Debt collection
- most-complained product
- 4
- 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.
Mel S. Harris and Associates, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
89.2% Among the lowest higher than 17% 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 | 1 |
| 2014 | 19 |
| 2015 | 13 |
| 2017 | 2 |
| 2019 | 1 |
| 2021 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Mel S. Harris and Associates, LLC
37 complaints against Mel S. Harris and Associates, LLC appear in the CFPB record, including 0 from the trailing year. The 4 states and territories represented put this footprint in geographically concentrated territory. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Taking/threatening an illegal action" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against Mel S. Harris and Associates, LLC draw a 89.2% reply rate inside the Bureau's 15-day window. That sits below the 95% industry benchmark and tends to correlate with higher consumer dispute rates downstream. Consumers formally disputed the company's response at a 5.9% 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 35.1% 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 Mel S. Harris and Associates, LLC have?
37 complaints have been filed against Mel S. Harris and Associates, LLC with the CFPB overall - 0 of them in the past year.
Does Mel S. Harris and Associates, LLC respond to complaints on time?
CFPB complaints against Mel S. Harris and Associates, LLC draw a 89.2% timely-response rate inside the expected window.
What product generates the most complaints for Mel S. Harris and Associates, LLC?
The most complained-about product for Mel S. Harris and Associates, LLC is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Mel S. Harris and Associates, LLC?
The most common issue reported by consumers about Mel S. Harris and Associates, LLC is "Taking/threatening an illegal action." All complaint issues are listed above with their counts.
How do I file a complaint against Mel S. Harris and Associates, LLC?
You can file a complaint against Mel S. Harris and Associates, LLC 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 Mel S. Harris and Associates, LLC?
Mel S. Harris and Associates, LLC has drawn CFPB complaints from 4 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Mel S. Harris and Associates, LLC: 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 (5.9% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Mel S. Harris and Associates, LLC have?
37 complaints have been filed against Mel S. Harris and Associates, LLC with the CFPB overall - 0 of them in the past year.
Does Mel S. Harris and Associates, LLC respond to complaints on time?
CFPB complaints against Mel S. Harris and Associates, LLC draw a 89.2% timely-response rate inside the expected window.
What product generates the most complaints for Mel S. Harris and Associates, LLC?
The most complained-about product for Mel S. Harris and Associates, LLC is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Mel S. Harris and Associates, LLC?
The most common issue reported by consumers about Mel S. Harris and Associates, LLC is "Taking/threatening an illegal action." All complaint issues are listed above with their counts.
How do I file a complaint against Mel S. Harris and Associates, LLC?
You can file a complaint against Mel S. Harris and Associates, LLC 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 Mel S. Harris and Associates, LLC?
Mel S. Harris and Associates, LLC has drawn CFPB complaints from 4 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.