Suttell, Hammer & White, P.S

CFPB Consumer Complaint Profile

277
Total Complaints
62
Last 12 Months
91%
Timely Response
14
States Affected
Suttell, Hammer & White, P.S timely response rate 91.0%
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 158
Debt collection — Credit card 41
Debt collection — I do not know 34
Credit reporting or other personal consumer reports — Credit reporting 15
Debt collection — Other (i.e. phone, health club, etc.) 5
Debt collection — Other debt 4
Credit reporting, credit repair services, or other personal consumer reports — Credit reporting 4
Credit card or prepaid card — General-purpose credit card or charge card 4
Debt collection — Mortgage 3
Credit card — General-purpose credit card or charge card 3

Top Issues

1.Took or threatened to take negative or legal action 62
2.Attempts to collect debt not owed 57
3.False statements or representation 36
4.Written notification about debt 33
5.Disclosure verification of debt 19
6.Taking/threatening an illegal action 14
7.Cont'd attempts collect debt not owed 13
8.Incorrect information on your report 10
9.Communication tactics 6
10.Improper use of your report 5

Complaints by Year

Year Complaints
2013 3
2014 12
2015 26
2016 21
2017 21
2018 12
2019 18
2020 14
2021 12
2022 15
2023 16
2024 31
2025 71
2026 5

Complaints by State (Top 15)

California 105
Washington 84
Oregon 34
Massachusetts 13
Colorado 10
Texas 8
Alaska 7
Idaho 6
Florida 2
Hawaii 2
Tennessee 1
Arizona 1
New Mexico 1
Nevada 1

Company Responses

Closed with explanation 277

What the CFPB Complaint Record Shows for Suttell, Hammer & White, P.S

The CFPB Consumer Complaint Database has logged 277 complaints against Suttell, Hammer & White, P.S overall, with 62 of those filed in the trailing 12 months. Reports have come from consumers in 14 states and territories, making this a geographically concentrated 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 "Took or threatened to take negative or legal action" — a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.

Suttell, Hammer & White, P.S's timely response rate stands at 91%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That sits below the 95% industry benchmark and tends to correlate with higher consumer dispute rates downstream. Consumers formally disputed the company's response in 21.5% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Of complaints that were resolved, 0% 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 Suttell, Hammer & White, P.S have?

Suttell, Hammer & White, P.S has 277 total consumer complaints filed with the CFPB, with 62 filed in the last 12 months.

Does Suttell, Hammer & White, P.S respond to complaints on time?

Suttell, Hammer & White, P.S has a 91% timely response rate to CFPB complaints.

What product generates the most complaints for Suttell, Hammer & White, P.S?

The most complained-about product for Suttell, Hammer & White, P.S is "Debt collection." You can view the full product breakdown on this page.

What is the most common complaint issue with Suttell, Hammer & White, P.S?

The most common issue reported by consumers about Suttell, Hammer & White, P.S is "Took or threatened to take negative or legal action." All complaint issues are listed above with their counts.

How do I file a complaint against Suttell, Hammer & White, P.S?

You can file a complaint against Suttell, Hammer & White, P.S 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 Suttell, Hammer & White, P.S?

Consumers in 14 states and territories have filed complaints about Suttell, Hammer & White, P.S with the CFPB.

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

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