Total CFPB complaints
17
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 17 complaints
CBC Credit Services, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 4 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about CBC Credit Services, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
4 complaints
- Communication tactics
Communication tactics
3 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
3 complaints
- Disclosure verification of debt 1
Disclosure verification of debt
1 complaints
- Written notification about debt 1
Written notification about debt
1 complaints
- Took or threatened to take negative or legal action 1
Took or threatened to take negative or legal action
1 complaints
C
Grade C · 63.0/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about CBC Credit Services, Inc.?
CBC Credit Services, Inc. has accumulated 17 total CFPB complaints across 4 states, with 0 filed in the most recent 12 months against 17 historical complaints before that window. The trailing-12-month volume represents 0.0% 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 is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 94% timely-response rate against a 40% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 4 states, led by Michigan with 14 and Georgia 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 63.0/100 places CBC Credit Services, Inc. in grade band C, 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
Stable →
States active
4
Distinct state filings
Timely response rate
94%
Within CFPB SLA window
Consumer disputes
40%
After company response
Reputation grade
C
63.0/100 composite
Response-quality profile
How CBC Credit Services, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 94.1%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 80.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 7.1%
Share of US states + territories with at least one filed complaint against this collector.
How does CBC Credit Services, Inc. compare to its peers?
CBC Credit Services, I… 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)
2016-06 2023-06
Top Consumer Issues
Attempts to collect debt not owed4 (%)
Communication tactics3 (%)
Cont'd attempts collect debt not owed3 (%)
Disclosure verification of debt1 (%)
Written notification about debt1 (%)
Took or threatened to take negative or legal action1 (%)
Threatened to contact someone or share information improperly1 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 3 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 2 |
| Cont'd attempts collect debt not owed | Debt is not mine | 2 |
| Communication tactics | Threatened to take legal action | 1 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 1 |
| Cont'd attempts collect debt not owed | Debt resulted from identity theft | 1 |
| Disclosure verification of debt | Not disclosed as an attempt to collect | 1 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 1 |
| Threatened to contact someone or share information improperly | Contacted your employer | 1 |
Where do complaints against CBC Credit Services, Inc. come from?
The states where consumers have filed the most CFPB complaints against CBC Credit Services, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against CBC Credit Services, Inc.
Across 4 states with at least one filing
- Michigan
Michigan
14 complaints
- Georgia 1
Georgia
1 complaints
- Texas 1
Texas
1 complaints
- Tennessee 1
Tennessee
1 complaints
Frequently Asked Questions
What is the most common complaint against CBC Credit Services, Inc.? ▼
The most common issue consumers report about CBC Credit Services, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 17 complaints filed with the CFPB.
Are complaints against CBC Credit Services, Inc. increasing or decreasing? ▼
Complaints against CBC Credit Services, Inc. have been stable. The company received 0 complaints in the last 12 months.
What is CBC Credit Services, Inc.'s reputation grade? ▼
CBC Credit Services, Inc. has a reputation grade of C (score: 63.0/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does CBC Credit Services, Inc. respond to consumer complaints? ▼
CBC Credit Services, Inc. has a 94% timely response rate to CFPB complaints. Consumers disputed the company's response in 40% of cases.
In how many states does CBC Credit Services, Inc. operate? ▼
CBC Credit Services, Inc. has received CFPB complaints from consumers in 4 states, with the most complaints from Michigan (14 complaints).
What can I do if CBC Credit Services, Inc. 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 CBC Credit Services, Inc. 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 |