CFPB Consumer Complaint Profile
Michael & Associates, PC
28 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 28
- Total complaints
- Mid-range
- 1
- Last 12 months
- 96.4%
- Timely response
- Below median
- 2
- States affected
The verdict
28 CFPB complaints put Michael & Associates, PC at #2422 out of 3,843 financial companies ranked by complaint volume. Its on-time response rate is 96.4%, the 36th percentile among companies with 100+ complaints.
- #2422
- of 3,843 companies by volume
- 96.4%
- on time (36th pctile)
- Debt collection
- most-complained product
- 2
- 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.
Michael & Associates, PC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
96.4% Around the middle higher than 36% 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 |
|---|---|
| 2014 | 1 |
| 2015 | 5 |
| 2016 | 1 |
| 2017 | 2 |
| 2018 | 7 |
| 2019 | 9 |
| 2020 | 1 |
| 2021 | 1 |
| 2025 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Michael & Associates, PC
28 complaints against Michael & Associates, PC appear in the CFPB record, including 1 from the trailing year. The 2 states and territories represented put this footprint in geographically concentrated territory. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Took or threatened to take negative or legal action," a reasonable starting point for understanding recurring friction.
Michael & Associates, PC's timely response rate stands at 96.4%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. 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 14.3% 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 0% 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 Michael & Associates, PC have?
28 complaints have been filed against Michael & Associates, PC with the CFPB overall - 1 of them in the past year.
Does Michael & Associates, PC respond to complaints on time?
Michael & Associates, PC's CFPB timely-response rate is 96.4%. This is considered excellent.
What product generates the most complaints for Michael & Associates, PC?
"Debt collection" draws more CFPB complaints against Michael & Associates, PC than any other product - see the full breakdown above.
What is the most common complaint issue with Michael & Associates, PC?
The most common issue reported by consumers about Michael & Associates, PC is "Took or threatened to take negative or legal action." All complaint issues are listed above with their counts.
How do I file a complaint against Michael & Associates, PC?
You can file a complaint against Michael & Associates, PC 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 Michael & Associates, PC?
The CFPB has recorded complaints against Michael & Associates, PC from 2 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 Michael & Associates, PC: 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 (14.3% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Michael & Associates, PC have?
28 complaints have been filed against Michael & Associates, PC with the CFPB overall - 1 of them in the past year.
Does Michael & Associates, PC respond to complaints on time?
Michael & Associates, PC's CFPB timely-response rate is 96.4%. This is considered excellent.
What product generates the most complaints for Michael & Associates, PC?
"Debt collection" draws more CFPB complaints against Michael & Associates, PC than any other product - see the full breakdown above.
What is the most common complaint issue with Michael & Associates, PC?
The most common issue reported by consumers about Michael & Associates, PC is "Took or threatened to take negative or legal action." All complaint issues are listed above with their counts.
How do I file a complaint against Michael & Associates, PC?
You can file a complaint against Michael & Associates, PC 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 Michael & Associates, PC?
The CFPB has recorded complaints against Michael & Associates, PC from 2 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.