CFPB Consumer Complaint Profile
Phillips & Cohen Associates, Ltd.
What 353 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-05-15
- 353
- Total complaints
- 67
- Last 12 months
- 99.4%
- Timely response
- 46
- States affected
The verdict
Out of 3,848 financial companies in the CFPB database, Phillips & Cohen Associates, Ltd. has accumulated 353 complaints, placing it #625 by volume. Its on-time response rate is 99.4%, ahead of the 93% median among companies with 100+ complaints.
- #625
- of 3,848 companies by volume
- 99.4%
- answered on time
- Debt collection
- most-complained product
- 46
- 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 | 17 |
| 2014 | 30 |
| 2015 | 26 |
| 2016 | 26 |
| 2017 | 15 |
| 2018 | 10 |
| 2019 | 14 |
| 2020 | 20 |
| 2021 | 13 |
| 2022 | 16 |
| 2023 | 38 |
| 2024 | 45 |
| 2025 | 73 |
| 2026 | 10 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Phillips & Cohen Associates, Ltd.
Phillips & Cohen Associates, Ltd. carries 353 complaints in the CFPB's database, 67 of them filed within the past 12 months. Consumers spanning 46 states and territories have weighed in, giving this a nationwide 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.
Phillips & Cohen Associates, Ltd.'s timely response rate stands at 99.4%, 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. In 17.3% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 18.1% closed with the consumer receiving monetary or non-monetary relief.
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 Phillips & Cohen Associates, Ltd. have?
353 complaints have been filed against Phillips & Cohen Associates, Ltd. with the CFPB overall - 67 of them in the past year.
Does Phillips & Cohen Associates, Ltd. respond to complaints on time?
Phillips & Cohen Associates, Ltd. has a 99.4% timely response rate to CFPB complaints. This is considered excellent.
What product generates the most complaints for Phillips & Cohen Associates, Ltd.?
Among all products tied to Phillips & Cohen Associates, Ltd., "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Phillips & Cohen Associates, Ltd.?
Consumers most often cite "Attempts to collect debt not owed" when complaining about Phillips & Cohen Associates, Ltd.; the full issue list with counts is above.
How do I file a complaint against Phillips & Cohen Associates, Ltd.?
You can file a complaint against Phillips & Cohen Associates, Ltd. 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 Phillips & Cohen Associates, Ltd.?
Phillips & Cohen Associates, Ltd. has drawn CFPB complaints from 46 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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~353)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.