CFPB Consumer Complaint Profile
St.John Cobb Inc
What 16 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
- 16
- Total complaints
- Below average
- 0
- Last 12 months
- 87.5%
- Timely response
- Bottom quartile
- 6
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, St.John Cobb Inc has accumulated 16 complaints, placing it #3154 by volume. On-time replies land at 87.5%, the 14th percentile for the 100+ complaint peer group.
- #3154
- of 3,843 companies by volume
- 87.5%
- on time (14th pctile)
- Debt collection
- most-complained product
- 6
- 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.
St.John Cobb Inc vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
87.5% Among the lowest higher than 14% 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 |
|---|---|
| 2017 | 4 |
| 2018 | 4 |
| 2019 | 2 |
| 2020 | 1 |
| 2021 | 1 |
| 2022 | 1 |
| 2023 | 1 |
| 2024 | 1 |
| 2025 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for St.John Cobb Inc
The CFPB Consumer Complaint Database has logged 16 complaints against St.John Cobb Inc overall, with 0 of those filed in the trailing 12 months. Reports have come from consumers in 6 states and territories, making this a geographically concentrated complaint footprint. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. 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.
CFPB-forwarded complaints against St.John Cobb Inc draw a 87.5% reply rate inside the Bureau's 15-day window. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. The company's response carried a 0% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, 12.5% closed with some form of monetary or non-monetary relief to the consumer.
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 St.John Cobb Inc have?
The CFPB has logged 16 complaints against St.John Cobb Inc to date, of which 0 came in over the last 12 months.
Does St.John Cobb Inc respond to complaints on time?
St.John Cobb Inc has a 87.5% timely response rate to CFPB complaints.
What product generates the most complaints for St.John Cobb Inc?
"Debt collection" draws more CFPB complaints against St.John Cobb Inc than any other product - see the full breakdown above.
What is the most common complaint issue with St.John Cobb Inc?
Consumers most often cite "Attempts to collect debt not owed" when complaining about St.John Cobb Inc; the full issue list with counts is above.
How do I file a complaint against St.John Cobb Inc?
You can file a complaint against St.John Cobb Inc 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 St.John Cobb Inc?
The CFPB has recorded complaints against St.John Cobb Inc from 6 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 St.John Cobb Inc: 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 (0% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does St.John Cobb Inc have?
The CFPB has logged 16 complaints against St.John Cobb Inc to date, of which 0 came in over the last 12 months.
Does St.John Cobb Inc respond to complaints on time?
St.John Cobb Inc has a 87.5% timely response rate to CFPB complaints.
What product generates the most complaints for St.John Cobb Inc?
"Debt collection" draws more CFPB complaints against St.John Cobb Inc than any other product - see the full breakdown above.
What is the most common complaint issue with St.John Cobb Inc?
Consumers most often cite "Attempts to collect debt not owed" when complaining about St.John Cobb Inc; the full issue list with counts is above.
How do I file a complaint against St.John Cobb Inc?
You can file a complaint against St.John Cobb Inc 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 St.John Cobb Inc?
The CFPB has recorded complaints against St.John Cobb Inc from 6 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.