CFPB Consumer Complaint Profile

The Law Offices of Barry J. Gammons, PLLC

The CFPB complaints on file trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.

Data updated 2026-08-14

10
Total complaints
Below average
3
Last 12 months
20%
Timely response
Bottom decile
2
States affected

Subscribe to this company's annual complaint changes (RSS)

The verdict

Out of 3,843 financial companies in the CFPB database, The Law Offices of Barry J. Gammons, PLLC places #3715 by volume. Its on-time response record is at the 1st percentile among companies with 100+ complaints.

Debt collection
most-complained product
TN
state with the most 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.

F
PlainCredit Trust Score
32/100
The Law Offices of Barry J. Gammons, PLLC · 3 of 3 dimensions reported

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.

Timely Response F 20.0%
Share of complaints answered within the CFPB response window
Dispute Rate A+ 0.0%
Share of responses the consumer disputed (lower is better)
Relief Rate F 0.0%
Share of complaints closed with monetary or non-monetary relief

The Law Offices of Barry J. Gammons, PLLC vs. all companies by on-time response rate

Every company with 100+ CFPB complaints on file (1,335 total)

20% 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

Reading this profile

Complaints by Product

Debt collection - Payday loan debt 3
Debt collection - Medical 1
Debt collection - Credit card 1
Debt collection - I do not know 1
Debt collection - Medical debt 1
Payday loan, title loan, or personal loan - Payday loan 1
Debt collection - Payday loan 1
Payday loan, title loan, personal loan, or advance loan - Payday loan 1

Top Issues

1.Taking/threatening an illegal action 2
2.Written notification about debt 2
3.Threatened to contact someone or share information improperly 1
4.Disclosure verification of debt 1
5.Improper contact or sharing of info 1
6.Took or threatened to take negative or legal action 1
7.Struggling to pay your loan 1
8.Problem with the payoff process at the end of the loan 1

Complaints by Year

Year Complaints
2015 3
2016 1
2018 1
2022 1
2023 1
2025 2
2026year in progress 1

Complaints by State (Top 15)

Tennessee 9
Georgia 1

Company Responses

Closed with explanation 6
Closed 4

What the CFPB Complaint Record Shows for The Law Offices of Barry J. Gammons, PLLC

The CFPB Consumer Complaint Database shows a geographically concentrated complaint footprint for The Law Offices of Barry J. Gammons, PLLC, with consumers across the country filing against it. "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 "Taking/threatening an illegal action" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.

Within the Bureau's 15-day response window, the timely-response measure shows how often forwarded complaints get a reply. This company's rate trails the 95% benchmark badly, a red flag given how strongly late or missing responses predict CFPB supervisory attention. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.

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.

Nationwide companies with similar complaint volume or dispute rates

Two CFPB peer sets for The Law Offices of Barry J. Gammons, PLLC: 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 The Law Offices of Barry J. Gammons, PLLC have?

10 complaints have been filed against The Law Offices of Barry J. Gammons, PLLC with the CFPB overall - 3 of them in the past year.

Does The Law Offices of Barry J. Gammons, PLLC respond to complaints on time?

The Law Offices of Barry J. Gammons, PLLC's CFPB timely-response rate is 20%. That trails the 95% industry benchmark by a wide margin.

What product generates the most complaints for The Law Offices of Barry J. Gammons, PLLC?

Among all products tied to The Law Offices of Barry J. Gammons, PLLC, "Debt collection" accounts for the largest share of complaints (full breakdown above).

What is the most common complaint issue with The Law Offices of Barry J. Gammons, PLLC?

Consumers most often cite "Taking/threatening an illegal action" when complaining about The Law Offices of Barry J. Gammons, PLLC; the full issue list with counts is above.

How do I file a complaint against The Law Offices of Barry J. Gammons, PLLC?

You can file a complaint against The Law Offices of Barry J. Gammons, PLLC 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 The Law Offices of Barry J. Gammons, PLLC?

The CFPB has recorded complaints against The Law Offices of Barry J. Gammons, PLLC from 2 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.

The Law Offices of Barry J. Gammons, PLLC's complaint figures come from the CFPB Consumer Complaint Database, data through March 2026. See our methodology for details.