Debt collector · complaint record
Phillips & Cohen Associates complaints
Filed under Phillips & Cohen Associates, Ltd.
Consumers have filed 390 complaints about Phillips & Cohen Associates since 2013, 51 of them in the last 12 months (-35% on the year before). It answered 100% on time and closed 0% with relief for the customer - less often than a typical debt collector. The most common problem is attempts to collect debt not owed.
Average response record. How it works
- Complaints on record
- 390
- Last 12 months
- 51
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 2
- Rank
- #316 of 1,963
Since July 2013
-35% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Nov 4, 2026
Most complained-about debt collectors
Phillips & Cohen Associates complaints by month
The busiest month was January 2025 (11 complaints). Complaints in the last 12 months are down 35% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Phillips & Cohen Associates answered last 12 months
- Closed with explanation51100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers0/400% closed with relief
- Complaint trend15/15-35% vs last year
What Phillips & Cohen Associates complaints are about
Top Phillips & Cohen Associates problems last 12 months
Inside "Attempts to collect debt not owed"
- Debt is not yours 66
- Debt was result of identity theft 21
- Debt was paid 17
- Debt was already discharged in bankruptcy and is no longer owed 2
Where Phillips & Cohen Associates complaints come from
Most complaints: New York (42), California (38), Florida (33), Georgia (29), Texas (23).
Phillips & Cohen Associates compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Collectech DiversifiedDebt collection | 60 | 52 | C |
| 2 | Financial Accounts Service TeamDebt collection | 3 | 52 | F |
| 3 | Advanced Collection BureauDebt collection | 53 | 52 | C |
| 4 | N.A.RDebt collection | 11 | 51 | F |
| 5 | Receivable Management GroupDebt collection | 44 | 51 | D |
| 6 | Phillips & Cohen AssociatesDebt collection | 60 | 51 | C |
| 7 | Retail Merchants AssociatesDebt collection | 46 | 50 | D |
| 8 | Velo Law OfficeDebt collection | 37 | 50 | D |
Compare side by side: Phillips & Cohen Associates vs Collectech Diversified · Phillips & Cohen Associates vs Financial Accounts Service Team · Phillips & Cohen Associates vs Advanced Collection Bureau · Phillips & Cohen Associates vs N.A.R
What people say about Phillips & Cohen Associates
All experiencesNo experiences with Phillips & Cohen Associates yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Phillips & Cohen Associates complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 4, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Oct 31, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Oct 6, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 4, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Oct 2, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 23, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 21, 2026 | Debt collection | Electronic communicationsFrequent or repeated messages | Explained |
| Sep 11, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Aug 29, 2026 | Payday & personal loans | Problem with additional add-on products or services | Explained |
| Aug 21, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Aug 14, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 19, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
Questions about Phillips & Cohen Associates
How many complaints does Phillips & Cohen Associates have?
Phillips & Cohen Associates has 390 complaints on record since July 2013, including 51 in the last 12 months and 2 in the last 30 days. That makes it number 667 of every company by complaints this year.
Does Phillips & Cohen Associates respond to complaints?
Yes. Phillips & Cohen Associates answered 100% 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. Its Response Score is 60/100 (grade C).
What do people complain about most with Phillips & Cohen Associates?
The most common problems are attempts to collect debt not owed (106), written notification about debt (45), false statements or representation (36).
Is Phillips & Cohen Associates legit?
Phillips & Cohen Associates is a real company with a public complaint record: consumers have complained about it 390 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Phillips & Cohen Associates legit? for the signals, red flags and how to protect yourself.
Are complaints about Phillips & Cohen Associates going up or down?
Down. There were 51 complaints in the last 12 months against 78 in the 12 before (-35%). See every month.
How do I file a complaint against Phillips & Cohen Associates?
Complain to Phillips & Cohen Associates 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 Phillips & Cohen Associates complaints come from?
Most come from New York (42), California (38), Florida (33). 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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