Nelson and Kennard, LLP

CFPB Consumer Complaint Profile

208
Total Complaints
43
Last 12 Months
98.1%
Timely Response
15
States Affected
Nelson and Kennard, LLP timely response rate 98.1%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Credit utilization context — why this matters

A primer on how revolving balance ratios shape credit-bureau scoring; useful when reading complaints about account closures and credit-line cuts.

Ideal (+0 to +10)0-10Healthy (~0 to -10)10-30Moderate (-10 to -30)30-50High (-30 to -50)50-75Very high (-45 to -70)75-100Maxed (-60 to -100+)100-12030%

FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.

Complaints by Product

Debt collection — Credit card debt 102
Debt collection — I do not know 33
Debt collection — Credit card 31
Debt collection — Auto 9
Debt collection — Other debt 8
Debt collection — Auto debt 8
Credit reporting, credit repair services, or other personal consumer reports — Credit reporting 4
Consumer Loan — Vehicle loan 2
Debt collection — Payday loan debt 2
Debt collection — Other (i.e. phone, health club, etc.) 2

Top Issues

1.Attempts to collect debt not owed 49
2.Took or threatened to take negative or legal action 44
3.False statements or representation 29
4.Written notification about debt 17
5.Cont'd attempts collect debt not owed 14
6.Taking/threatening an illegal action 13
7.Communication tactics 11
8.Disclosure verification of debt 10
9.Incorrect information on your report 3
10.Improper contact or sharing of info 3

Complaints by Year

Year Complaints
2013 2
2014 5
2015 19
2016 22
2017 11
2018 13
2019 21
2020 10
2021 10
2022 13
2023 13
2024 18
2025 43
2026 8

Complaints by State (Top 15)

California 127
Colorado 25
Washington 15
Hawaii 11
Idaho 4
Oregon 4
Nevada 4
New Mexico 3
Arizona 3
Massachusetts 2
Oklahoma 2
Texas 2
AA 1
Alabama 1
Ohio 1

Company Responses

Closed with explanation 204
Closed with non-monetary relief 3
Closed with monetary relief 1

What the CFPB Complaint Record Shows for Nelson and Kennard, LLP

The CFPB Consumer Complaint Database has logged 208 complaints against Nelson and Kennard, LLP overall, with 43 of those filed in the trailing 12 months. Reports have come from consumers in 15 states and territories, making this a multi-regional complaint footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Attempts to collect debt not owed" — a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.

Nelson and Kennard, LLP's timely response rate stands at 98.1%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Consumers formally disputed the company's response in 19.6% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Of complaints that were resolved, 1.9% closed with some form of monetary or non-monetary relief to the consumer.

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 Nelson and Kennard, LLP have?

Nelson and Kennard, LLP has 208 total consumer complaints filed with the CFPB, with 43 filed in the last 12 months.

Does Nelson and Kennard, LLP respond to complaints on time?

Nelson and Kennard, LLP has a 98.1% timely response rate to CFPB complaints. This is considered excellent.

What product generates the most complaints for Nelson and Kennard, LLP?

The most complained-about product for Nelson and Kennard, LLP is "Debt collection." You can view the full product breakdown on this page.

What is the most common complaint issue with Nelson and Kennard, LLP?

The most common issue reported by consumers about Nelson and Kennard, LLP is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.

How do I file a complaint against Nelson and Kennard, LLP?

You can file a complaint against Nelson and Kennard, LLP 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 Nelson and Kennard, LLP?

Consumers in 15 states and territories have filed complaints about Nelson and Kennard, LLP with the CFPB.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Related