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

CFPB complaint data Grade F 106 complaints

C/C Financial - Debt Collector Complaint Profile

CFPB complaint profile across 18 states, reputation grade F.

Complaints by issue type

What consumers report about C/C Financial

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 52.3/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

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

The verdict

A reputation grade of F: C/C Financial ranks ahead of 19% of the 5,283 collectors PlainCollector grades - 81% keep a cleaner CFPB record, on 106 all-time complaints and a 97% timely-response rate.

19th pct
reputation rank of 5,283 graded collectors
106
CFPB complaints, all-time
97%
answered inside the CFPB window
25
in the last 12 months (stable)

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 C/C Financial?

C/C Financial has accumulated 106 total CFPB complaints across 18 states, with 25 filed in the most recent 12 months against 81 historical complaints before that window. The trailing-12-month volume represents 23.6% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt was result of identity theft". The company posts a 97% timely-response rate.

Complaints have been recorded across 18 states, led by Texas with 24 and Florida with 13. Normalized against the full CFPB collector database, the reputation score of 52.3/100 places C/C Financial in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

106

mid-volume (CCDB)

Last 12 months

25

23.6% of all-time complaints

Stable →

States active

18

regional footprint

Timely response rate

97%

excellent band

Reputation grade

F

52.3/100 composite

How does C/C Financial's reputation rank nationally?

Reputation score vs. every graded collector

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

52 Bottom 19% higher than 19% 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

C/C Financial versus the debt-collection vertical average.

Timely response within SLA 97.0%
Vertical avg

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

State coverage breadth 32.1%

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

How does C/C Financial compare to its peers?

How does C/C Financial compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
C/C Financial National average
Complaints (last 12 mo)lower is better
25
28
268
Timely-response ratehigher is better
97%
96%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-10 2026-02

Issue Detail Breakdown

Issue Sub-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.

Top states by complaints against C/C Financial

Across 18 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if C/C Financial contacts you

A grade of F signals how C/C Financial'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 C/C Financial 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 C/C Financial 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 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 F (score: 52.3/100), 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).

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.