Data / Consumer complaints / Carmichael & Frost LLC
Carmichael & Frost LLC: 55 CFPB consumer complaints in the last 3 years
Carmichael & Frost LLC drew 55 consumer complaints in the CFPB database in the three years to November 6, 2026, and 56 since 2023. The largest group, 55, was about debt collection, and the most common issue was “Took or threatened to take negative or legal action” with 24. The company responded on time to 98.2% of the complaints, and 0.0% closed with monetary or other relief.
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- 55Complaints, last 3 years
- 56Complaints, all years
- 98.2%Responded on time
- 0.0%Closed with relief
- 1Products
- Sep 17, 2026Latest received
Complaints by year
Every year the CFPB database holds for this company, by the date received.
| Year | Complaints |
|---|---|
| 2026, to Nov 6 | 9 |
| 2025 | 28 |
| 2024 | 18 |
| 2023 | 1 |
Products
Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.
| Product | Complaints | Share |
|---|---|---|
| Debt collection | 55 | 100% |
Issues
| Issue | Complaints | Share |
|---|---|---|
| Took or threatened to take negative or legal action | 24 | 43.6% |
| Threatened to contact someone or share information improperly | 13 | 23.6% |
| Electronic communications | 8 | 14.5% |
| Attempts to collect debt not owed | 5 | 9.1% |
| Communication tactics | 4 | 7.3% |
| False statements or representation | 1 | 1.8% |
How the company responded
| Company response | Complaints | Share |
|---|---|---|
| Closed with explanation | 55 | 100% |
States
| State | Complaints | Share |
|---|---|---|
| Texas | 10 | 18.2% |
| California | 5 | 9.1% |
| Georgia | 5 | 9.1% |
| Florida | 4 | 7.3% |
| New York | 4 | 7.3% |
| Arizona | 3 | 5.5% |
| New Mexico | 3 | 5.5% |
| Michigan | 2 | 3.6% |
| North Carolina | 2 | 3.6% |
| New Jersey | 2 | 3.6% |
| Washington | 2 | 3.6% |
| Arkansas | 1 | 1.8% |
| Colorado | 1 | 1.8% |
| Kentucky | 1 | 1.8% |
| Louisiana | 1 | 1.8% |
| Maryland | 1 | 1.8% |
| Minnesota | 1 | 1.8% |
| Missouri | 1 | 1.8% |
| Nebraska | 1 | 1.8% |
| Ohio | 1 | 1.8% |
| Oklahoma | 1 | 1.8% |
| Pennsylvania | 1 | 1.8% |
| South Carolina | 1 | 1.8% |
| Wisconsin | 1 | 1.8% |
Latest 50 complaints
Newest first. Each row links to the complaint's record in the CFPB database.
| Received | Product | Issue | Company response | Source |
|---|---|---|---|---|
| September 17, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| September 9, 2026 | Debt collection | Threatened to contact someone or share information improperly | Closed with explanation | consumerfinance.gov |
| July 6, 2026 | Debt collection | Communication tactics | Closed with explanation | consumerfinance.gov |
| May 22, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| March 9, 2026 | Debt collection | Communication tactics | Closed with explanation | consumerfinance.gov |
| February 25, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| February 19, 2026 | Debt collection | Threatened to contact someone or share information improperly | Closed with explanation | consumerfinance.gov |
| February 6, 2026 | Debt collection | Threatened to contact someone or share information improperly | Closed with explanation | consumerfinance.gov |
| January 22, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| December 27, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| December 19, 2025 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| November 26, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| November 20, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| November 11, 2025 | Debt collection | Electronic communications | Closed with explanation | consumerfinance.gov |
| October 15, 2025 | Debt collection | Threatened to contact someone or share information improperly | Closed with explanation | consumerfinance.gov |
| October 3, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| September 30, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| September 24, 2025 | Debt collection | Communication tactics | Closed with explanation | consumerfinance.gov |
| August 27, 2025 | Debt collection | Electronic communications | Closed with explanation | consumerfinance.gov |
| August 19, 2025 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| July 28, 2025 | Debt collection | False statements or representation | Closed with explanation | consumerfinance.gov |
| July 21, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| July 21, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| July 8, 2025 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| July 1, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| June 4, 2025 | Debt collection | Communication tactics | Closed with explanation | consumerfinance.gov |
| May 12, 2025 | Debt collection | Threatened to contact someone or share information improperly | Closed with explanation | consumerfinance.gov |
| April 30, 2025 | Debt collection | Threatened to contact someone or share information improperly | Closed with explanation | consumerfinance.gov |
| April 30, 2025 | Debt collection | Threatened to contact someone or share information improperly | Closed with explanation | consumerfinance.gov |
| April 28, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| March 19, 2025 | Debt collection | Threatened to contact someone or share information improperly | Closed with explanation | consumerfinance.gov |
| March 14, 2025 | Debt collection | Electronic communications | Closed with explanation | consumerfinance.gov |
| February 10, 2025 | Debt collection | Electronic communications | Closed with explanation | consumerfinance.gov |
| January 14, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| January 8, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| January 7, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| January 6, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| December 26, 2024 | Debt collection | Threatened to contact someone or share information improperly | Closed with explanation | consumerfinance.gov |
| December 3, 2024 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| October 16, 2024 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| October 2, 2024 | Debt collection | Threatened to contact someone or share information improperly | Closed with explanation | consumerfinance.gov |
| October 1, 2024 | Debt collection | Electronic communications | Closed with explanation | consumerfinance.gov |
| October 1, 2024 | Debt collection | Threatened to contact someone or share information improperly | Closed with explanation | consumerfinance.gov |
| September 24, 2024 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| August 30, 2024 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| August 26, 2024 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| August 19, 2024 | Debt collection | Electronic communications | Closed with explanation | consumerfinance.gov |
| August 8, 2024 | Debt collection | Electronic communications | Closed with explanation | consumerfinance.gov |
| July 22, 2024 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| May 24, 2024 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
Also on SpecStream
- Every company with Debt collection complaints
- Consumer complaints in Texas
- Consumer complaints in California
- Consumer complaints in Georgia
- All consumer complaints
Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.