Data / Consumer complaints / Phillips & Cohen Associates, Ltd.
Phillips & Cohen Associates, Ltd.: 168 CFPB consumer complaints in the last 3 years
Phillips & Cohen Associates, Ltd. drew 168 consumer complaints in the CFPB database in the three years to November 6, 2026, and 389 since 2013. The largest group, 141, was about debt collection, and the most common issue was “Attempts to collect debt not owed” with 66. The company responded on time to 99.4% of the complaints, and 0.6% closed with monetary or other relief.
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- 168Complaints, last 3 years
- 389Complaints, all years
- 99.4%Responded on time
- 0.6%Closed with relief
- 5Products
- Oct 31, 2026Latest received
Complaints by year
Every year the CFPB database holds for this company, by the date received.
| Year | Complaints |
|---|---|
| 2026, to Nov 6 | 46 |
| 2025 | 73 |
| 2024 | 45 |
| 2023 | 38 |
| 2022 | 16 |
| 2021 | 13 |
| 2020 | 20 |
| 2019 | 14 |
| 2018 | 10 |
| 2017 | 15 |
| 2016 | 26 |
| 2015 | 26 |
| 2014 | 30 |
| 2013 | 17 |
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 | 141 | 83.9% |
| Credit reporting or other personal consumer reports | 13 | 7.7% |
| Credit card | 9 | 5.4% |
| Debt or credit management | 3 | 1.8% |
| Payday loan, title loan, personal loan, or advance loan | 2 | 1.2% |
Issues
| Issue | Complaints | Share |
|---|---|---|
| Attempts to collect debt not owed | 66 | 39.3% |
| Written notification about debt | 23 | 13.7% |
| False statements or representation | 20 | 11.9% |
| Communication tactics | 15 | 8.9% |
| Took or threatened to take negative or legal action | 9 | 5.4% |
| Electronic communications | 8 | 4.8% |
| Incorrect information on your report | 8 | 4.8% |
| Problem with a company's investigation into an existing problem | 5 | 3% |
| Improper use of your report | 4 | 2.4% |
| Struggling to pay your bill | 3 | 1.8% |
| Charged upfront or unexpected fees | 1 | 0.6% |
| Closing your account | 1 | 0.6% |
| Problem with a purchase shown on your statement | 1 | 0.6% |
| Problem with additional add-on products or services | 1 | 0.6% |
| Problem with customer service | 1 | 0.6% |
| Trouble using your card | 1 | 0.6% |
| Unauthorized withdrawals or charges | 1 | 0.6% |
How the company responded
| Company response | Complaints | Share |
|---|---|---|
| Closed with explanation | 167 | 99.4% |
| Closed with monetary relief | 1 | 0.6% |
States
| State | Complaints | Share |
|---|---|---|
| Florida | 19 | 11.3% |
| California | 17 | 10.1% |
| Georgia | 13 | 7.7% |
| New York | 10 | 6% |
| Pennsylvania | 8 | 4.8% |
| Texas | 8 | 4.8% |
| Illinois | 7 | 4.2% |
| Maryland | 6 | 3.6% |
| Michigan | 6 | 3.6% |
| Ohio | 6 | 3.6% |
| Louisiana | 5 | 3% |
| Arkansas | 4 | 2.4% |
| Indiana | 4 | 2.4% |
| Massachusetts | 4 | 2.4% |
| Oklahoma | 4 | 2.4% |
| Oregon | 4 | 2.4% |
| Colorado | 3 | 1.8% |
| Minnesota | 3 | 1.8% |
| Missouri | 3 | 1.8% |
| North Carolina | 3 | 1.8% |
| New Mexico | 3 | 1.8% |
| Tennessee | 3 | 1.8% |
| West Virginia | 3 | 1.8% |
| Alabama | 2 | 1.2% |
| Delaware | 2 | 1.2% |
Latest 50 complaints
Newest first. Each row links to the complaint's record in the CFPB database.
| Received | Product | Issue | Company response | Source |
|---|---|---|---|---|
| October 31, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| October 6, 2026 | Debt collection | False statements or representation | Closed with explanation | consumerfinance.gov |
| October 4, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| October 2, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| September 23, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| September 21, 2026 | Debt collection | Electronic communications | Closed with explanation | consumerfinance.gov |
| September 11, 2026 | Debt collection | False statements or representation | Closed with explanation | consumerfinance.gov |
| August 29, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Closed with explanation | consumerfinance.gov |
| August 21, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| August 14, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| July 19, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| July 19, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| July 12, 2026 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| July 11, 2026 | Debt collection | False statements or representation | Closed with explanation | consumerfinance.gov |
| June 23, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| June 23, 2026 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| June 16, 2026 | Debt collection | Electronic communications | Closed with explanation | consumerfinance.gov |
| June 8, 2026 | Debt collection | Communication tactics | Closed with explanation | consumerfinance.gov |
| May 11, 2026 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| May 6, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| April 29, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| April 26, 2026 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| April 24, 2026 | Credit card | Struggling to pay your bill | Closed with explanation | consumerfinance.gov |
| April 13, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| April 7, 2026 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| April 3, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| April 3, 2026 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| April 1, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| April 1, 2026 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| March 23, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| March 20, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| March 18, 2026 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| March 17, 2026 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| March 16, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| March 12, 2026 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| March 7, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| March 6, 2026 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| February 13, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| February 11, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| February 7, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| February 6, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| February 2, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| January 31, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| January 21, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| January 16, 2026 | Debt collection | Electronic communications | Closed with explanation | consumerfinance.gov |
| January 15, 2026 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| December 24, 2025 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| December 22, 2025 | Payday loan, title loan, personal loan, or advance loan | Improper use of your report | Closed with explanation | consumerfinance.gov |
| December 6, 2025 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| November 18, 2025 | Debt collection | Communication tactics | Closed with explanation | consumerfinance.gov |
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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.