This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 111 complaints

Alpine Credit, Inc - Debt Collector Complaint Profile

CFPB complaint profile across 15 states, reputation grade D.

Complaints by issue type

What consumers report about Alpine Credit, Inc

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 54.0/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Alpine Credit, Inc ranks ahead of 22% of the 5,283 collectors PlainCollector grades - 78% keep a cleaner CFPB record, on 111 all-time complaints and a 82% timely-response rate.

22nd pct
reputation rank of 5,283 graded collectors
111
CFPB complaints, all-time
82%
answered inside the CFPB window
12
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Alpine Credit, Inc?

Alpine Credit, Inc has accumulated 111 total CFPB complaints across 15 states, with 12 filed in the most recent 12 months against 99 historical complaints before that window. The trailing-12-month volume represents 10.8% 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". The company posts a 82% timely-response rate against a 21% consumer-dispute-after-response rate.

Complaints have been recorded across 15 states, led by Colorado with 77 and Texas with 7. Normalized against the full CFPB collector database, the reputation score of 54.0/100 places Alpine Credit, Inc in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

111

mid-volume (CCDB)

Last 12 months

12

10.8% of all-time complaints

Falling ↓

States active

15

regional footprint

Timely response rate

82%

acceptable band

Consumer disputes

21%

elevated (vertical avg ~19%)

Reputation grade

D

54.0/100 composite

How does Alpine Credit, Inc's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

54 Bottom 22% higher than 22% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Alpine Credit, Inc versus the debt-collection vertical average.

Timely response within SLA 81.8%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 21.1%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 26.8%

Share of US states + territories with at least one filed complaint against this collector.

How does Alpine Credit, Inc compare to its peers?

How does Alpine Credit, Inc compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Alpine Credit, Inc National average
Complaints (last 12 mo)lower is better
12
71
268
Timely-response ratehigher is better
82%
98%
91%
Consumer-dispute ratelower is better
21%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-06 2021-08

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 45
Written notification about debt - 20
False statements or representation - 18
Cont'd attempts collect debt not owed - 8
Took or threatened to take negative or legal action - 7
Disclosure verification of debt - 6
Taking/threatening an illegal action - 4
Communication tactics - 3

Where do complaints against Alpine Credit, Inc come from?

Alpine Credit, Inc's own per-state count, not a national baseline.

Top states by complaints against Alpine Credit, Inc

Across 15 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Alpine Credit, Inc contacts you

A grade of D signals how Alpine Credit, Inc's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Alpine Credit, Inc and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Alpine Credit, Inc ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Alpine Credit, Inc? ▼

The most common issue consumers report about Alpine Credit, Inc is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 111 complaints filed with the CFPB.

Are complaints against Alpine Credit, Inc increasing or decreasing? ▼

Complaints against Alpine Credit, Inc are falling. The company received 12 complaints in the last 12 months, showing improvement over prior periods.

What is Alpine Credit, Inc's reputation grade? ▼

Alpine Credit, Inc has a reputation grade of D (score: 54.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Alpine Credit, Inc respond to consumer complaints? ▼

Alpine Credit, Inc has a 82% timely response rate to CFPB complaints. Consumers disputed the company's response in 21% of cases.

In how many states does Alpine Credit, Inc operate? ▼

Alpine Credit, Inc has received CFPB complaints from consumers in 15 states, with the most complaints from Colorado (77 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.