Tate and Kirlin Assoc

CFPB Consumer Complaint Profile

299
Total Complaints
34
Last 12 Months
82.3%
Timely Response
42
States Affected
Tate and Kirlin Assoc timely response rate 82.3%
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 — I do not know 116
Debt collection — Credit card debt 55
Debt collection — Other debt 52
Debt collection — Other (i.e. phone, health club, etc.) 22
Credit reporting, credit repair services, or other personal consumer reports — Credit reporting 15
Debt collection — Credit card 10
Credit reporting or other personal consumer reports — Credit reporting 6
Debt collection — Medical 5
Debt collection — Auto 4
Credit card 3

Top Issues

1.Attempts to collect debt not owed 92
2.Communication tactics 39
3.Written notification about debt 34
4.Cont'd attempts collect debt not owed 32
5.False statements or representation 26
6.Disclosure verification of debt 16
7.Took or threatened to take negative or legal action 15
8.Electronic communications 11
9.Incorrect information on your report 8
10.Improper use of your report 6

Complaints by Year

Year Complaints
2013 6
2014 34
2015 11
2016 3
2017 34
2018 16
2019 18
2020 12
2021 41
2022 30
2023 28
2024 24
2025 37
2026 5

Complaints by State (Top 15)

Florida 37
Texas 31
California 27
Georgia 18
Michigan 14
Ohio 12
New York 12
Arizona 9
Illinois 9
Pennsylvania 9
Tennessee 8
South Carolina 8
Virginia 7
Washington 7
New Jersey 7

Company Responses

Closed with explanation 291
Untimely response 4
Closed with monetary relief 3
Closed 1

What the CFPB Complaint Record Shows for Tate and Kirlin Assoc

The CFPB Consumer Complaint Database has logged 299 complaints against Tate and Kirlin Assoc overall, with 34 of those filed in the trailing 12 months. Reports have come from consumers in 42 states and territories, making this a nationwide 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 "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.

Tate and Kirlin Assoc's timely response rate stands at 82.3%, 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 14.5% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Of complaints that were resolved, 1% 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 Tate and Kirlin Assoc have?

Tate and Kirlin Assoc has 299 total consumer complaints filed with the CFPB, with 34 filed in the last 12 months.

Does Tate and Kirlin Assoc respond to complaints on time?

Tate and Kirlin Assoc has a 82.3% timely response rate to CFPB complaints.

What product generates the most complaints for Tate and Kirlin Assoc?

The most complained-about product for Tate and Kirlin Assoc is "Debt collection." You can view the full product breakdown on this page.

What is the most common complaint issue with Tate and Kirlin Assoc?

The most common issue reported by consumers about Tate and Kirlin Assoc is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.

How do I file a complaint against Tate and Kirlin Assoc?

You can file a complaint against Tate and Kirlin Assoc 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 Tate and Kirlin Assoc?

Consumers in 42 states and territories have filed complaints about Tate and Kirlin Assoc with the CFPB.

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

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