Debt collector · complaint record
SG and Associates complaints
Consumers have filed 510 complaints about SG and Associates since 2020, 190 of them in the last 12 months (+50% on the year before). It answered 20% on time and closed 0% with relief for the customer - less often than a typical debt collector. The most common problem is took or threatened to take negative or legal action.
Poor response record. How it works
- Complaints on record
- 510
- Last 12 months
- 190
- Answered on time
- 20%
- Closed with relief
- 0%
- Last 30 days
- 3
- Rank
- #135 of 1,963
Since September 2020
+50% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Oct 23, 2026
Most complained-about debt collectors
SG and Associates complaints by month
The busiest month was January 2026 (24 complaints). Complaints in the last 12 months are up 50% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How SG and Associates answered last 12 months
- Closed with explanation13068.4%
- Untimely response6031.6%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time0/4520% on time
- Relief for customers0/400% closed with relief
- Complaint trend5/15+50% vs last year
What SG and Associates complaints are about
Top SG and Associates problems last 12 months
Inside "Took or threatened to take negative or legal action"
- Threatened or suggested your credit would be damaged 93
- Threatened to sue you for very old debt 13
- Sued you without properly notifying you of lawsuit 2
- Collected or attempted to collect exempt funds 2
- Sued you in a state where you do not live or did not sign for the debt 2
- Threatened to arrest you or take you to jail if you do not pay 2
Where SG and Associates complaints come from
Most complaints: Texas (199), Florida (51), Georgia (39), California (23), North Carolina (21).
SG and Associates compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Applied Data FinanceDebt collection | 48 | 196 | D |
| 2 | 2288984 OntarioDebt collection | 36 | 195 | D |
| 3 | Southern Management SystemsDebt collection | 52 | 194 | C |
| 4 | ResidentCollectDebt collection | 8 | 194 | F |
| 5 | Rausch SturmDebt collection | 47 | 190 | D |
| 6 | SG and AssociatesDebt collection | 5 | 190 | F |
| 7 | Valor Intelligent ProcessingDebt collection | 43 | 188 | D |
| 8 | SinglePoint GIDebt collection | 53 | 188 | C |
Compare side by side: SG and Associates vs Applied Data Finance · SG and Associates vs 2288984 Ontario · SG and Associates vs Southern Management Systems · SG and Associates vs ResidentCollect
What people say about SG and Associates
All experiencesNo experiences with SG and Associates yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest SG and Associates complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 23, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Oct 22, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | No timely reply |
| Oct 20, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
| Oct 16, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
| Oct 15, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | No timely reply |
| Oct 12, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | No timely reply |
| Oct 9, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
| Oct 6, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
| Oct 5, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | No timely reply |
| Sep 24, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
| Sep 23, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Sep 22, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
Questions about SG and Associates
How many complaints does SG and Associates have?
SG and Associates has 510 complaints on record since September 2020, including 190 in the last 12 months and 3 in the last 30 days. That makes it number 343 of every company by complaints this year.
Does SG and Associates respond to complaints?
Yes. SG and Associates answered 20% 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 5/100 (grade F).
What do people complain about most with SG and Associates?
The most common problems are took or threatened to take negative or legal action (115), attempts to collect debt not owed (146), written notification about debt (56).
Is SG and Associates legit?
SG and Associates is a real company with a public complaint record: consumers have complained about it 510 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is SG and Associates legit? for the signals, red flags and how to protect yourself.
Are complaints about SG and Associates going up or down?
Up. There were 190 complaints in the last 12 months against 127 in the 12 before (+50%). See every month.
How do I file a complaint against SG and Associates?
Complain to SG and 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 SG and Associates complaints come from?
Most come from Texas (199), Florida (51), Georgia (39). 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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