What is the most common complaint against Certified Credit Associates, Inc.?

The most common issue consumers report about Certified Credit Associates, Inc. is "Took or threatened to take negative or legal action", specifically "Threatened to sue you for very old debt". This is based on 2 complaints filed with the CFPB.

Are complaints against Certified Credit Associates, Inc. increasing or decreasing?

Complaints against Certified Credit Associates, Inc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Certified Credit Associates, Inc.'s reputation grade?

Certified Credit Associates, Inc. has a reputation grade of F (score: 38.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Certified Credit Associates, Inc. respond to consumer complaints?

Certified Credit Associates, Inc. has a 0% timely response rate to CFPB complaints.

In how many states does Certified Credit Associates, Inc. operate?

Certified Credit Associates, Inc. has received CFPB complaints from consumers in 2 states, with the most complaints from Montana (1 complaints).

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

Certified Credit Associates, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade F.

Compiled by PlainCollector

Took or threatened to take negative or legal action

2

Data updated September 2026

CFPB complaint disposition

CCDB record certified-credit-associates-inc Certified Credit Associates, Inc.

Grade F · 2 CFPB filings · 0% timely · lead issue: Took or threatened to take negative or legal action · vol #3981 · compose #4966

VOL 2
GRADE F
12MO 0
STATES 2
TIMELY 0%
ISSUE Took or threatened to take…
RANK #3,981
COMPOSE #4,966

Volume peers

Nearest volume peer: 1 Auto Finance, Inc. (2 complaints)

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

Certified Credit Associates, Inc.'s 2 CFPB complaints sit next to 1 Auto Finance, Inc. 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 →

State-heavy filing map

50.0% of Certified Credit Associates, Inc.'s CFPB filings land in Montana

High volume does not equal a clean composite: Certified Credit Associates, Inc. is volume #3,981 but composite #4,966, while Montana dominates the geography. Corpus placement method.

Dominant state: Montana 50.0%; 1 of 2 filings · 2 states touched
Spike month: 2025-03 33.3%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #3,981 volume; #4,966 composite; Cleanest-composite ladder is 985 places worse than volume

How does Certified Credit Associates, Inc. compare to its peers?

How does Certified Credit Associates, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Certified Credit Assoc… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2025-03 2026-01

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	2

Where do complaints against Certified Credit Associates, Inc. come from?

Certified Credit Associates, Inc.'s own per-state count, not a national baseline.

Montana

1
Tennessee

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Certified Credit Associates, Inc.: 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: 2.

4 peers

Know your rights before responding to Certified Credit Associates, Inc.: 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.