Total CFPB complaints
30
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 30 complaints
CERTIFIED COLLECTORS, INC. — Debt Collector Complaint Profile
CFPB complaint profile across 3 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about CERTIFIED COLLECTORS, INC.
- Attempts to collect debt not owed
Attempts to collect debt not owed
6 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
4 complaints
- Written notification about debt
Written notification about debt
4 complaints
- False statements or representation
False statements or representation
3 complaints
- Communication tactics
Communication tactics
3 complaints
- Cont'd attempts collect debt not owed 2
Cont'd attempts collect debt not owed
2 complaints
B
Grade B · 66.4/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about CERTIFIED COLLECTORS, INC.?
CERTIFIED COLLECTORS, INC. has accumulated 30 total CFPB complaints across 3 states, with 1 filed in the most recent 12 months against 29 historical complaints before that window. The trailing-12-month volume represents 3.3% 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 "Took or threatened to take negative or legal action", narrowing to "Threatened or suggested your credit would be damaged", 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 against a 14% 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 3 states, led by Texas with 28 and Ohio 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 66.4/100 places CERTIFIED COLLECTORS, INC. 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
1
3.3% of total history
Stable →
States active
3
Distinct state filings
Timely response rate
97%
Within CFPB SLA window
Consumer disputes
14%
After company response
Reputation grade
B
66.4/100 composite
Response-quality profile
How CERTIFIED COLLECTORS, INC. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 96.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 28.6%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 5.4%
Share of US states + territories with at least one filed complaint against this collector.
How does CERTIFIED COLLECTORS, INC. compare to its peers?
CERTIFIED COLLECTORS, … 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)
2015-08 2025-05
Top Consumer Issues
Took or threatened to take negative or legal action4 (%)
Written notification about debt4 (%)
Attempts to collect debt not owed6 (%)
False statements or representation3 (%)
Communication tactics3 (%)
Cont'd attempts collect debt not owed2 (%)
Disclosure verification of debt1 (%)
Improper contact or sharing of info1 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
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 |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 4 |
| Written notification about debt | Didn't receive enough information to verify debt | 4 |
| Attempts to collect debt not owed | Debt is not yours | 4 |
| False statements or representation | Attempted to collect wrong amount | 3 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 2 |
| Attempts to collect debt not owed | Debt was paid | 2 |
| Cont'd attempts collect debt not owed | Debt is not mine | 2 |
| Disclosure verification of debt | Not given enough info to verify debt | 1 |
| Improper contact or sharing of info | Talked to a third party about my debt | 1 |
| Communication tactics | Used obscene, profane, or other abusive language | 1 |
Where do complaints against CERTIFIED COLLECTORS, INC. come from?
The states where consumers have filed the most CFPB complaints against CERTIFIED COLLECTORS, INC.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against CERTIFIED COLLECTORS, INC.
Across 3 states with at least one filing
- Texas
Texas
28 complaints
- Ohio 1
Ohio
1 complaints
- Oklahoma 1
Oklahoma
1 complaints
Frequently Asked Questions
What is the most common complaint against CERTIFIED COLLECTORS, INC.? ▼
The most common issue consumers report about CERTIFIED COLLECTORS, INC. is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 30 complaints filed with the CFPB.
Are complaints against CERTIFIED COLLECTORS, INC. increasing or decreasing? ▼
Complaints against CERTIFIED COLLECTORS, INC. have been stable. The company received 1 complaints in the last 12 months.
What is CERTIFIED COLLECTORS, INC.'s reputation grade? ▼
CERTIFIED COLLECTORS, INC. has a reputation grade of B (score: 66.4/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does CERTIFIED COLLECTORS, INC. respond to consumer complaints? ▼
CERTIFIED COLLECTORS, INC. has a 97% timely response rate to CFPB complaints. Consumers disputed the company's response in 14% of cases.
In how many states does CERTIFIED COLLECTORS, INC. operate? ▼
CERTIFIED COLLECTORS, INC. has received CFPB complaints from consumers in 3 states, with the most complaints from Texas (28 complaints).
What can I do if CERTIFIED COLLECTORS, 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 CERTIFIED COLLECTORS, 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 |