Total CFPB complaints
100
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 100 complaints
C/C Financial — Debt Collector Complaint Profile
CFPB complaint profile across 18 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about C/C Financial
- Attempts to collect debt not owed
Attempts to collect debt not owed
56 complaints
- False statements or representation
False statements or representation
23 complaints
- Written notification about debt 14
Written notification about debt
14 complaints
- Took or threatened to take negative or legal action 6
Took or threatened to take negative or legal action
6 complaints
- Communication tactics 1
Communication tactics
1 complaints
F
Grade F · 52.3/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about C/C Financial?
C/C Financial has accumulated 100 total CFPB complaints across 18 states, with 23 filed in the most recent 12 months against 77 historical complaints before that window. The trailing-12-month volume represents 23.0% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt was result of identity theft", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 97% 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 18 states, led by Texas with 22 and Georgia with 12, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 52.3/100 places C/C Financial in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
23
23.0% of total history
Rising ↑
States active
18
Distinct state filings
Timely response rate
97%
Within CFPB SLA window
Reputation grade
F
52.3/100 composite
Response-quality profile
How C/C Financial performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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?
C/C Financial 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)
2022-08 2026-03
Top Consumer Issues
Attempts to collect debt not owed56 (%)
False statements or representation23 (%)
Written notification about debt14 (%)
Took or threatened to take negative or legal action6 (%)
Communication tactics1 (%)
Most common issue: Attempts to collect debt not owed — Debt was result of identity theft
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 was result of identity theft | 28 |
| False statements or representation | Attempted to collect wrong amount | 23 |
| Attempts to collect debt not owed | Debt is not yours | 20 |
| Written notification about debt | Didn't receive enough information to verify debt | 10 |
| Attempts to collect debt not owed | Debt was paid | 7 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 6 |
| Written notification about debt | Didn't receive notice of right to dispute | 3 |
| Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | 1 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 1 |
| Communication tactics | Frequent or repeated calls | 1 |
Where do complaints against C/C Financial come from?
The states where consumers have filed the most CFPB complaints against C/C Financial. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against C/C Financial
Across 18 states with at least one filing
- Texas
Texas
22 complaints
- Georgia
Georgia
12 complaints
- Florida
Florida
11 complaints
- North Carolina
North Carolina
9 complaints
- Michigan 7
Michigan
7 complaints
- Ohio 6
Ohio
6 complaints
- Pennsylvania 5
Pennsylvania
5 complaints
- Illinois 5
Illinois
5 complaints
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 100 complaints filed with the CFPB.
Are complaints against C/C Financial increasing or decreasing? ▼
Complaints against C/C Financial are rising. The company received 23 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is C/C Financial's reputation grade? ▼
C/C Financial has a reputation grade of F (score: 52.3/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 (22 complaints).
What can I do if C/C Financial 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 C/C Financial 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 |