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 2026-08-14
- 353
- Total complaints
- Above average
- 67
- Last 12 months
- 99.4%
- Timely response
- Above median
- 46
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Phillips & Cohen Associates, Ltd. has accumulated 353 complaints, placing it #624 by volume. Its on-time response rate is 99.4%, the 69th percentile among companies with 100+ complaints.
- #624
- of 3,843 companies by volume
- 99.4%
- on time (69th pctile)
- Debt collection
- most-complained product
- 46
- 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.
Phillips & Cohen Associates, Ltd. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.4% Higher than most higher than 69% 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
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 45 in 2024 to 73 in 2025 (2024 → 2025).
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 |
| 2026year in progress | 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. Resolved cases drew a formal consumer-dispute rate of 17.3% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, the consumer-relief closure rate is 18.1%.
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 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Phillips & Cohen Associates, Ltd.: 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 (17.3% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.