What is the most common complaint against C/C Financial?

The most common issue consumers report about C/C Financial is "Attempts to collect debt not owed", specifically "Debt was result of identity theft". This is based on 106 complaints filed with the CFPB.

Are complaints against C/C Financial increasing or decreasing?

Complaints against C/C Financial have been stable. The company received 25 complaints in the last 12 months.

What is C/C Financial's reputation grade?

C/C Financial has a reputation grade of D (score: 49.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does C/C Financial respond to consumer complaints?

C/C Financial has a 97% timely response rate to CFPB complaints.

In how many states does C/C Financial operate?

C/C Financial has received CFPB complaints from consumers in 18 states, with the most complaints from Texas (24 complaints).

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

C/C Financial - Debt Collector Complaint Profile

CFPB complaint profile across 18 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

56
False statements or representation

24
Written notification about debt

15
Took or threatened to take negative or legal action

10
Communication tactics

1

Data updated September 2026

CFPB complaint disposition

CCDB record c-c-financial C/C Financial

Grade D · 106 CFPB filings · 97% timely · lead issue: Attempts to collect debt not owed · vol #795 · compose #4211

VOL 106
GRADE D
12MO 25
STATES 18
TIMELY 97%
ISSUE Attempts to collect debt n…
RANK #795
COMPOSE #4,211

Volume peers

Nearest volume peer: Credit Counsel, Inc. (106 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

C/C Financial's 106 CFPB complaints sit next to Credit Counsel, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Filing geometry

Texas is the plurality state for C/C Financial (22.6%)

Volume rank #795 and composite rank #4,211 diverge by 3,416 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Texas 22.6%; Mid-band (15–30%) · 18 states with ≥1 filing
Seasonal peak: 2025-11 12.8%; 8–15% band · 6 filings
Divergent corpus ranks: #795 volume; #4,211 composite; Cleanest-composite ladder is 3,416 places worse than volume

How does C/C Financial compare to its peers?

How does C/C Financial compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

C/C Financial National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

97%

96%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-10 2026-02

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	56
False statements or representation	24
Written notification about debt	15
Took or threatened to take negative or legal action	10
Communication tactics	1

Where do complaints against C/C Financial come from?

C/C Financial's own per-state count, not a national baseline.

Texas

24
Florida

13
Georgia

12
North Carolina

9
Michigan

8
Ohio

6
Illinois

5
Kentucky

5

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for C/C Financial: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 106.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 97%.

4 peers

Know your rights before responding to C/C Financial: FDCPA rights guide · debt validation letter · rights library.

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

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

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.