Total CFPB complaints
23
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 23 complaints
ABSOLUTE CREDIT LLC — Debt Collector Complaint Profile
CFPB complaint profile across 10 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about ABSOLUTE CREDIT LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
11 complaints
- Written notification about debt
Written notification about debt
6 complaints
- Communication tactics 4
Communication tactics
4 complaints
- False statements or representation 2
False statements or representation
2 complaints
D
Grade D · 58.8/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about ABSOLUTE CREDIT LLC?
ABSOLUTE CREDIT LLC has accumulated 23 total CFPB complaints across 10 states, with 2 filed in the most recent 12 months against 21 historical complaints before that window. The trailing-12-month volume represents 8.7% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 96% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 10 states, led by New York with 7 and Pennsylvania with 4, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 58.8/100 places ABSOLUTE CREDIT LLC in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
2
8.7% of total history
Falling ↓
States active
10
Distinct state filings
Timely response rate
96%
Within CFPB SLA window
Reputation grade
D
58.8/100 composite
Response-quality profile
How ABSOLUTE CREDIT LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 95.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 17.9%
Share of US states + territories with at least one filed complaint against this collector.
How does ABSOLUTE CREDIT LLC compare to its peers?
ABSOLUTE CREDIT LLC National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2018-02 2026-03
Top Consumer Issues
Attempts to collect debt not owed11 (%)
Written notification about debt6 (%)
False statements or representation2 (%)
Communication tactics4 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 9 |
| Written notification about debt | Didn't receive notice of right to dispute | 5 |
| False statements or representation | Attempted to collect wrong amount | 2 |
| Communication tactics | Frequent or repeated calls | 2 |
| Attempts to collect debt not owed | Debt was paid | 2 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 1 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
| Communication tactics | Used obscene, profane, or other abusive language | 1 |
Where do complaints against ABSOLUTE CREDIT LLC come from?
The states where consumers have filed the most CFPB complaints against ABSOLUTE CREDIT LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against ABSOLUTE CREDIT LLC
Across 10 states with at least one filing
- New York
New York
7 complaints
- Pennsylvania
Pennsylvania
4 complaints
- Maine
Maine
3 complaints
- Georgia 2
Georgia
2 complaints
- Delaware 2
Delaware
2 complaints
- Michigan 1
Michigan
1 complaints
- Colorado 1
Colorado
1 complaints
- South Carolina 1
South Carolina
1 complaints
Frequently Asked Questions
What is the most common complaint against ABSOLUTE CREDIT LLC? ▼
The most common issue consumers report about ABSOLUTE CREDIT LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 23 complaints filed with the CFPB.
Are complaints against ABSOLUTE CREDIT LLC increasing or decreasing? ▼
Complaints against ABSOLUTE CREDIT LLC are falling. The company received 2 complaints in the last 12 months, showing improvement over prior periods.
What is ABSOLUTE CREDIT LLC's reputation grade? ▼
ABSOLUTE CREDIT LLC has a reputation grade of D (score: 58.8/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does ABSOLUTE CREDIT LLC respond to consumer complaints? ▼
ABSOLUTE CREDIT LLC has a 96% timely response rate to CFPB complaints.
In how many states does ABSOLUTE CREDIT LLC operate? ▼
ABSOLUTE CREDIT LLC has received CFPB complaints from consumers in 10 states, with the most complaints from New York (7 complaints).
What can I do if ABSOLUTE CREDIT LLC is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If ABSOLUTE CREDIT LLC violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |