Total CFPB complaints
68
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 68 complaints
Certegy Holdings, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 25 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Certegy Holdings, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
37 complaints
- False statements or representation 10
False statements or representation
10 complaints
- Written notification about debt 10
Written notification about debt
10 complaints
- Took or threatened to take negative or legal action 4
Took or threatened to take negative or legal action
4 complaints
- Communication tactics 3
Communication tactics
3 complaints
- Threatened to contact someone or share information improperly 2
Threatened to contact someone or share information improperly
2 complaints
D
Grade D · 54.8/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Certegy Holdings, LLC?
Certegy Holdings, LLC has accumulated 68 total CFPB complaints across 25 states, with 8 filed in the most recent 12 months against 60 historical complaints before that window. The trailing-12-month volume represents 11.8% 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 "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 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 25 states, led by Georgia with 11 and California with 9, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 54.8/100 places Certegy Holdings, LLC in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
8
11.8% of total history
Falling ↓
States active
25
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
D
54.8/100 composite
Response-quality profile
How Certegy Holdings, LLC 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 44.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Certegy Holdings, LLC compare to its peers?
Certegy Holdings, LLC 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)
2021-08 2026-01
Top Consumer Issues
Attempts to collect debt not owed37 (%)
False statements or representation10 (%)
Written notification about debt10 (%)
Communication tactics3 (%)
Took or threatened to take negative or legal action4 (%)
Threatened to contact someone or share information improperly2 (%)
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 | 15 |
| Attempts to collect debt not owed | Debt was result of identity theft | 11 |
| Attempts to collect debt not owed | Debt was paid | 11 |
| False statements or representation | Attempted to collect wrong amount | 10 |
| Written notification about debt | Didn't receive enough information to verify debt | 6 |
| Written notification about debt | Didn't receive notice of right to dispute | 4 |
| Communication tactics | Frequent or repeated calls | 3 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 3 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 2 |
| Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | 1 |
Where do complaints against Certegy Holdings, LLC come from?
The states where consumers have filed the most CFPB complaints against Certegy Holdings, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Certegy Holdings, LLC
Across 25 states with at least one filing
- Georgia
Georgia
11 complaints
- California
California
9 complaints
- Texas
Texas
7 complaints
- Florida
Florida
5 complaints
- Maryland
Maryland
5 complaints
- Michigan 4
Michigan
4 complaints
- Pennsylvania 3
Pennsylvania
3 complaints
- Kentucky 2
Kentucky
2 complaints
Frequently Asked Questions
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 68 complaints filed with the CFPB.
Are complaints against Certegy Holdings, LLC increasing or decreasing? ▼
Complaints against Certegy Holdings, LLC are falling. The company received 8 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: 54.8/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 25 states, with the most complaints from Georgia (11 complaints).
What can I do if Certegy Holdings, LLC 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 Certegy Holdings, LLC 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 |