Total CFPB complaints
2
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 2 complaints
Cardinal Branch — Debt Collector Complaint Profile
CFPB complaint profile across 2 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Cardinal Branch
- Charged upfront or unexpected fees
Charged upfront or unexpected fees
2 complaints
A
Grade A · 77.7/100 composite
This collector has an excellent complaint record — very few complaints relative to its size, with high response rates.
What do CFPB complaints reveal about Cardinal Branch?
Cardinal Branch has accumulated 2 total CFPB complaints across 2 states, with 0 filed in the most recent 12 months against 2 historical complaints before that window. The trailing-12-month volume represents 0.0% 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 "Charged upfront or unexpected fees", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% 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 2 states, led by California with 1 and South Carolina with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 77.7/100 places Cardinal Branch in grade band A, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Falling ↓
States active
2
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
A
77.7/100 composite
Response-quality profile
How Cardinal Branch performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 3.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Cardinal Branch compare to its peers?
Cardinal Branch 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)
2024-08 2024-09
Top Consumer Issues
Charged upfront or unexpected fees2 (%)
Most common issue: Charged upfront or unexpected fees
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 |
|---|---|---|
| Charged upfront or unexpected fees | — | 2 |
Where do complaints against Cardinal Branch come from?
The states where consumers have filed the most CFPB complaints against Cardinal Branch. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Cardinal Branch
Across 2 states with at least one filing
- California
California
1 complaints
- South Carolina
South Carolina
1 complaints
Frequently Asked Questions
What is the most common complaint against Cardinal Branch? ▼
The most common issue consumers report about Cardinal Branch is "Charged upfront or unexpected fees". This is based on 2 complaints filed with the CFPB.
Are complaints against Cardinal Branch increasing or decreasing? ▼
Complaints against Cardinal Branch are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.
What is Cardinal Branch's reputation grade? ▼
Cardinal Branch has a reputation grade of A (score: 77.7/100). This collector has an excellent complaint record — very few complaints relative to its size, with high response rates.
Does Cardinal Branch respond to consumer complaints? ▼
Cardinal Branch has a 100% timely response rate to CFPB complaints.
In how many states does Cardinal Branch operate? ▼
Cardinal Branch has received CFPB complaints from consumers in 2 states, with the most complaints from California (1 complaints).
What can I do if Cardinal Branch 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 Cardinal Branch 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 |