What is the most common complaint against Cardinal Accounts, Inc.?

The most common issue consumers report about Cardinal Accounts, Inc. is "Disclosure verification of debt", specifically "Not given enough info to verify debt". This is based on 9 complaints filed with the CFPB.

Are complaints against Cardinal Accounts, Inc. increasing or decreasing?

Complaints against Cardinal Accounts, Inc. are falling. The company received 1 complaints in the last 12 months, showing improvement over prior periods.

What is Cardinal Accounts, Inc.'s reputation grade?

Cardinal Accounts, Inc. has a reputation grade of B (score: 68.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Cardinal Accounts, Inc. respond to consumer complaints?

Cardinal Accounts, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 25% of cases.

In how many states does Cardinal Accounts, Inc. operate?

Cardinal Accounts, Inc. has received CFPB complaints from consumers in 2 states, with the most complaints from Indiana (8 complaints).

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

Cardinal Accounts, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade B.

Compiled by PlainCollector

Disclosure verification of debt

3
Written notification about debt

2
Attempts to collect debt not owed

1
False statements or representation

1
Communication tactics

1
Taking/threatening an illegal action

1

Data updated September 2026

CFPB complaint disposition

CCDB record cardinal-accounts-inc Cardinal Accounts, Inc.

Grade B · 9 CFPB filings · 100% timely · lead issue: Disclosure verification of debt · vol #2575 · compose #1422

VOL 9
GRADE B
12MO 1
STATES 2
TIMELY 100%
DISPUTE 25%
ISSUE Disclosure verification of…
RANK #2,575
COMPOSE #1,422

Volume peers

Nearest volume peer: 1st Results Billings & Collections, Inc. (9 complaints)

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

Cardinal Accounts, Inc.'s 9 CFPB complaints sit next to 1st Results Billings & Collections, 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 →

State-heavy filing map

88.9% of Cardinal Accounts, Inc.'s CFPB filings land in Indiana

High volume does not equal a clean composite: Cardinal Accounts, Inc. is volume #2,575 but composite #1,422, while Indiana dominates the geography. Corpus placement method.

Dominant state: Indiana 88.9%; 8 of 9 filings · 2 states touched
Spike month: 2025-12 57.1%; 4 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #2,575 volume; #1,422 composite; Cleanest-composite ladder is 1,153 places better than volume

How does Cardinal Accounts, Inc. compare to its peers?

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

Cardinal Accounts, Inc… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

25%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-05 2026-01

Issue Detail Breakdown

Issue	Complaints
Disclosure verification of debt	3
Written notification about debt	2
Attempts to collect debt not owed	1
False statements or representation	1
Communication tactics	1
Taking/threatening an illegal action	1

Where do complaints against Cardinal Accounts, Inc. come from?

Cardinal Accounts, Inc.'s own per-state count, not a national baseline.

Indiana

8
Georgia

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Cardinal Accounts, Inc.: 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: 9.

4 peers

Know your rights before responding to Cardinal Accounts, Inc.: 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.