CFPB Consumer Complaint Profile
Phillips, Reinhard & Associates
What 23 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
- 23
- Total complaints
- Mid-range
- 0
- Last 12 months
- 21.7%
- Timely response
- Bottom decile
- 12
- States affected
The verdict
Phillips, Reinhard & Associates ranks #2678 of 3,843 financial companies by CFPB complaint volume, with 23 complaints on record. Its on-time response rate is 21.7%, the 1st percentile among companies with 100+ complaints.
- #2678
- of 3,843 companies by volume
- 21.7%
- on time (1st pctile)
- Debt collection
- most-complained product
- 12
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
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, Reinhard & Associates vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
21.7% Among the lowest higher than 1% 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 2014 to 2015 complete years
- Annual CFPB complaint volume moved from 22 in 2014 to 1 in 2015 (2014 → 2015).
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 | 22 |
| 2015 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Phillips, Reinhard & Associates
Phillips, Reinhard & Associates carries 23 complaints in the CFPB's database, 0 of them filed within the past 12 months. Consumers spanning 12 states and territories have weighed in, giving this a geographically concentrated footprint. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. Inside that category, "Communication tactics" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
CFPB-forwarded complaints against Phillips, Reinhard & Associates draw a 21.7% reply rate inside the Bureau's 15-day window. That trails the 95% benchmark badly, a red flag given how strongly late or missing responses predict CFPB supervisory attention. The company's response carried a 8.7% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. 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 Phillips, Reinhard & Associates have?
Phillips, Reinhard & Associates has 23 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does Phillips, Reinhard & Associates respond to complaints on time?
Phillips, Reinhard & Associates has a 21.7% timely response rate to CFPB complaints. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for Phillips, Reinhard & Associates?
Among all products tied to Phillips, Reinhard & Associates, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Phillips, Reinhard & Associates?
Consumers most often cite "Communication tactics" when complaining about Phillips, Reinhard & Associates; the full issue list with counts is above.
How do I file a complaint against Phillips, Reinhard & Associates?
You can file a complaint against Phillips, Reinhard & Associates 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, Reinhard & Associates?
The CFPB has recorded complaints against Phillips, Reinhard & Associates from 12 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 Phillips, Reinhard & Associates: 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 (8.7% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Phillips, Reinhard & Associates have?
Phillips, Reinhard & Associates has 23 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does Phillips, Reinhard & Associates respond to complaints on time?
Phillips, Reinhard & Associates has a 21.7% timely response rate to CFPB complaints. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for Phillips, Reinhard & Associates?
Among all products tied to Phillips, Reinhard & Associates, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Phillips, Reinhard & Associates?
Consumers most often cite "Communication tactics" when complaining about Phillips, Reinhard & Associates; the full issue list with counts is above.
How do I file a complaint against Phillips, Reinhard & Associates?
You can file a complaint against Phillips, Reinhard & Associates 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, Reinhard & Associates?
The CFPB has recorded complaints against Phillips, Reinhard & Associates from 12 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.