Total CFPB complaints
3
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 3 complaints
Central Kentucky Collections — 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 Central Kentucky Collections
- Attempts to collect debt not owed
Attempts to collect debt not owed
2 complaints
- Written notification about debt
Written notification about debt
1 complaints
B
Grade B · 73.9/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about Central Kentucky Collections?
Central Kentucky Collections has accumulated 3 total CFPB complaints across 2 states, with 0 filed in the most recent 12 months against 3 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 "Written notification about debt", narrowing to "Notification didn't disclose it was an attempt to collect a debt", 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 Georgia with 2 and Kentucky 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 73.9/100 places Central Kentucky Collections in grade band B, 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
2
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
B
73.9/100 composite
Response-quality profile
How Central Kentucky Collections 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 Central Kentucky Collections compare to its peers?
Central Kentucky Colle… 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)
2018-07 2020-04
Top Consumer Issues
Written notification about debt1 (%)
Attempts to collect debt not owed2 (%)
Most common issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
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 |
|---|---|---|
| Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | 1 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
| Attempts to collect debt not owed | Debt was paid | 1 |
Where do complaints against Central Kentucky Collections come from?
The states where consumers have filed the most CFPB complaints against Central Kentucky Collections. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Central Kentucky Collections
Across 2 states with at least one filing
- Georgia
Georgia
2 complaints
- Kentucky
Kentucky
1 complaints
Frequently Asked Questions
What is the most common complaint against Central Kentucky Collections? ▼
The most common issue consumers report about Central Kentucky Collections is "Written notification about debt", specifically "Notification didn't disclose it was an attempt to collect a debt". This is based on 3 complaints filed with the CFPB.
Are complaints against Central Kentucky Collections increasing or decreasing? ▼
Complaints against Central Kentucky Collections have been stable. The company received 0 complaints in the last 12 months.
What is Central Kentucky Collections's reputation grade? ▼
Central Kentucky Collections has a reputation grade of B (score: 73.9/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does Central Kentucky Collections respond to consumer complaints? ▼
Central Kentucky Collections has a 100% timely response rate to CFPB complaints.
In how many states does Central Kentucky Collections operate? ▼
Central Kentucky Collections has received CFPB complaints from consumers in 2 states, with the most complaints from Georgia (2 complaints).
What can I do if Central Kentucky Collections 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 Central Kentucky Collections 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 |