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Data / Consumer complaints / Carmichael & Frost LLC / Debt collection

Carmichael & Frost LLC: 55 CFPB complaints about debt collection, last 3 years

Carmichael & Frost LLC drew 55 consumer complaints about debt collection in the CFPB database in the three years to November 6, 2026, 100.0% of its 55 complaints in that time. The most common issue was “Took or threatened to take negative or legal action”. The company responded on time to 98.2% of them, and 0.0% closed with monetary or other relief.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

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  • 55Complaints, last 3 years
  • 100.0%Share of the company's complaints
  • 98.2%Responded on time
  • 0.0%Closed with relief
  • Sep 17, 2026Latest received

By period

The three years are cut into 12 month periods ending on the date of the latest data.

PeriodComplaintsShare
12 months to Nov 6, 20261425.5%
12 months to Nov 6, 20252545.5%
12 months to Nov 6, 20241629.1%

Issues

IssueComplaintsShare
Took or threatened to take negative or legal action2443.6%
Threatened to contact someone or share information improperly1323.6%
Electronic communications814.5%
Attempts to collect debt not owed59.1%
Communication tactics47.3%
False statements or representation11.8%

How the company responded

Company responseComplaintsShare
Closed with explanation55100%

States

Where the consumers who complained live, as they gave it to the CFPB.

StateComplaintsShare
Texas1018.2%
California59.1%
Georgia59.1%
Florida47.3%
New York47.3%
Arizona35.5%
New Mexico35.5%
Michigan23.6%
North Carolina23.6%
New Jersey23.6%
Washington23.6%
Arkansas11.8%
Colorado11.8%
Kentucky11.8%
Louisiana11.8%
Maryland11.8%
Minnesota11.8%
Missouri11.8%
Nebraska11.8%
Ohio11.8%
Oklahoma11.8%
Pennsylvania11.8%
South Carolina11.8%
Wisconsin11.8%

Latest 25 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
September 17, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 9, 2026Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
July 6, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
May 22, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
March 9, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
February 25, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
February 19, 2026Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
February 6, 2026Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
January 22, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
December 27, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
December 19, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 26, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
November 20, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
November 11, 2025Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
October 15, 2025Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
October 3, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 30, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 24, 2025Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
August 27, 2025Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
August 19, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 28, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
July 21, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
July 21, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
July 8, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 1, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov

Also on SpecStream

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.