Debt collector · complaint record
Carmichael & Frost complaints
Filed under Carmichael & Frost LLC
Consumers have filed 58 complaints about Carmichael & Frost since 2023, 15 of them in the last 12 months (-42% on the year before). It answered 93.3% on time and closed 0% with relief for the customer. The most common problem is took or threatened to take negative or legal action.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 58
- Last 12 months
- 15
- Answered on time
- 93.3%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #614 of 1,963
Since June 2023
-42% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Oct 6, 2026
Most complained-about debt collectors
Carmichael & Frost complaints by month
The busiest month was July 2025 (5 complaints). Complaints in the last 12 months are down 42% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Carmichael & Frost answered all time
- Closed with explanation58100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
Top Carmichael & Frost problems
Inside "Took or threatened to take negative or legal action"
- Seized or attempted to seize your property 17
- Threatened to sue you for very old debt 6
- Threatened or suggested your credit would be damaged 2
- Sued you without properly notifying you of lawsuit 1
Where Carmichael & Frost complaints come from
Most complaints: Texas (10), Georgia (5), New York (5), Florida (5), California (5).
Carmichael & Frost compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Green SquareDebt collection | 10 | 25 | F |
| 2 | EMoneyUSADebt collection | 53 | 25 | C |
| 3 | Mullooly Jeffrey Rooney & FlynnDebt collection | 56 | 25 | C |
| 4 | Credit World ServicesDebt collection | 47 | 25 | D |
| 5 | Keynote ConsultingDebt collection | 10 | 25 | F |
| 6 | Augusta Collection AgencyDebt collection | 10 | 25 | F |
| 7 | Advance Bureau of CollectionsDebt collection | 19 | 25 | F |
| 8 | Carmichael & FrostDebt collection | - | 15 | - |
Compare side by side: Carmichael & Frost vs Green Square · Carmichael & Frost vs EMoneyUSA · Carmichael & Frost vs Mullooly Jeffrey Rooney & Flynn · Carmichael & Frost vs Credit World Services
What people say about Carmichael & Frost
All experiencesNo experiences with Carmichael & Frost yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Carmichael & Frost complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 6, 2026 | Debt collection | Threatened to contact someone or share information improperlyContacted you after you asked them to stop | Explained |
| Oct 1, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Sep 17, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Sep 9, 2026 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Jul 6, 2026 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Explained |
| May 22, 2026 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Mar 9, 2026 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Explained |
| Feb 25, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Feb 19, 2026 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Feb 6, 2026 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Jan 22, 2026 | Debt collection | Took or threatened to take negative or legal actionSeized or attempted to seize your property | Explained |
| Dec 27, 2025 | Debt collection | Took or threatened to take negative or legal actionSeized or attempted to seize your property | Explained |
Questions about Carmichael & Frost
How many complaints does Carmichael & Frost have?
Carmichael & Frost has 58 complaints on record since June 2023, including 15 in the last 12 months and 0 in the last 30 days. That makes it number 1,229 of every company by complaints this year.
Does Carmichael & Frost respond to complaints?
Yes. Carmichael & Frost answered 93.3% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only.
What do people complain about most with Carmichael & Frost?
The most common problems are took or threatened to take negative or legal action (26), threatened to contact someone or share information improperly (14), attempts to collect debt not owed (5).
Is Carmichael & Frost legit?
Carmichael & Frost is a real company with a public complaint record: consumers have complained about it 58 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Carmichael & Frost legit? for the signals, red flags and how to protect yourself.
Are complaints about Carmichael & Frost going up or down?
Down. There were 15 complaints in the last 12 months against 26 in the 12 before (-42%). See every month.
How do I file a complaint against Carmichael & Frost?
Complain to Carmichael & Frost in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Carmichael & Frost complaints come from?
Most come from Texas (10), Georgia (5), New York (5). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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