What is the most common complaint against Certegy Holdings, LLC?

The most common issue consumers report about Certegy Holdings, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 71 complaints filed with the CFPB.

Are complaints against Certegy Holdings, LLC increasing or decreasing?

Complaints against Certegy Holdings, LLC are falling. The company received 11 complaints in the last 12 months, showing improvement over prior periods.

What is Certegy Holdings, LLC's reputation grade?

Certegy Holdings, LLC has a reputation grade of D (score: 51.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Certegy Holdings, LLC respond to consumer complaints?

Certegy Holdings, LLC has a 100% timely response rate to CFPB complaints.

In how many states does Certegy Holdings, LLC operate?

Certegy Holdings, LLC has received CFPB complaints from consumers in 26 states, with the most complaints from Georgia (12 complaints).

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

Certegy Holdings, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 26 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

40
Written notification about debt

10
False statements or representation

10
Took or threatened to take negative or legal action

5
Communication tactics

3
Threatened to contact someone or share information improperly

2

Data updated September 2026

CFPB complaint disposition

CCDB record certegy-holdings-llc Certegy Holdings, LLC

Grade D · 71 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #995 · compose #4026

VOL 71
GRADE D
12MO 11
STATES 26
TIMELY 100%
ISSUE Attempts to collect debt n…
RANK #995
COMPOSE #4,026

Volume peers

Nearest volume peer: Abbott Osborn Jacobs PLC (71 complaints)

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

Certegy Holdings, LLC's 71 CFPB complaints sit next to Abbott Osborn Jacobs PLC 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 →

Spiky monthly series

Georgia is the plurality state for Certegy Holdings, LLC (16.9%)

The 2025-12 spike coincides with a 3,031-place gap between volume rank #995 and composite #4,026. Corpus placement method.

Plurality state: Georgia 16.9%; Mid-band (15–30%) · 26 states with ≥1 filing
Spike month: 2025-12 21.5%; 17 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #995 volume; #4,026 composite; Cleanest-composite ladder is 3,031 places worse than volume

How does Certegy Holdings, LLC compare to its peers?

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

Certegy Holdings, LLC National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

95%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2022-10 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	40
Written notification about debt	10
False statements or representation	10
Took or threatened to take negative or legal action	5
Communication tactics	3
Threatened to contact someone or share information improperly	2
Electronic communications	1

Where do complaints against Certegy Holdings, LLC come from?

Certegy Holdings, LLC's own per-state count, not a national baseline.

Georgia

12
California

9
Texas

8
Florida

5
Maryland

5
Michigan

4
Pennsylvania

3
Illinois

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Certegy Holdings, LLC: 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: 71.

4 peers

Know your rights before responding to Certegy Holdings, LLC: 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.