Total CFPB complaints
62
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 62 complaints
Certified Solutions, Inc — Debt Collector Complaint Profile
CFPB complaint profile across 4 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Certified Solutions, Inc
- Attempts to collect debt not owed
Attempts to collect debt not owed
27 complaints
- Written notification about debt
Written notification about debt
19 complaints
- False statements or representation 4
False statements or representation
4 complaints
- Took or threatened to take negative or legal action 4
Took or threatened to take negative or legal action
4 complaints
- Cont'd attempts collect debt not owed 3
Cont'd attempts collect debt not owed
3 complaints
- Communication tactics 2
Communication tactics
2 complaints
F
Grade F · 50.3/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Certified Solutions, Inc?
Certified Solutions, Inc has accumulated 62 total CFPB complaints across 4 states, with 6 filed in the most recent 12 months against 56 historical complaints before that window. The trailing-12-month volume represents 9.7% 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 was paid", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 50% timely-response rate against a 0% 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 4 states, led by New Jersey with 57 and New York with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 50.3/100 places Certified Solutions, Inc in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
6
9.7% of total history
Falling ↓
States active
4
Distinct state filings
Timely response rate
50%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
F
50.3/100 composite
Response-quality profile
How Certified Solutions, Inc performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 50.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 7.1%
Share of US states + territories with at least one filed complaint against this collector.
How does Certified Solutions, Inc compare to its peers?
Certified Solutions, I… 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)
2021-03 2026-03
Top Consumer Issues
Attempts to collect debt not owed27 (%)
Written notification about debt19 (%)
False statements or representation4 (%)
Cont'd attempts collect debt not owed3 (%)
Took or threatened to take negative or legal action4 (%)
Communication tactics2 (%)
Most common issue: Attempts to collect debt not owed — Debt was paid
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 was paid | 15 |
| Written notification about debt | Didn't receive enough information to verify debt | 14 |
| Attempts to collect debt not owed | Debt is not yours | 11 |
| Written notification about debt | Didn't receive notice of right to dispute | 5 |
| False statements or representation | Attempted to collect wrong amount | 4 |
| Cont'd attempts collect debt not owed | Debt was paid | 3 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 2 |
| Communication tactics | Frequent or repeated calls | 2 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 2 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1 |
Where do complaints against Certified Solutions, Inc come from?
The states where consumers have filed the most CFPB complaints against Certified Solutions, Inc. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Certified Solutions, Inc
Across 4 states with at least one filing
- New Jersey
New Jersey
57 complaints
- New York 3
New York
3 complaints
- Florida 1
Florida
1 complaints
- South Carolina 1
South Carolina
1 complaints
Frequently Asked Questions
What is the most common complaint against Certified Solutions, Inc? ▼
The most common issue consumers report about Certified Solutions, Inc is "Attempts to collect debt not owed", specifically "Debt was paid". This is based on 62 complaints filed with the CFPB.
Are complaints against Certified Solutions, Inc increasing or decreasing? ▼
Complaints against Certified Solutions, Inc are falling. The company received 6 complaints in the last 12 months, showing improvement over prior periods.
What is Certified Solutions, Inc's reputation grade? ▼
Certified Solutions, Inc has a reputation grade of F (score: 50.3/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does Certified Solutions, Inc respond to consumer complaints? ▼
Certified Solutions, Inc has a 50% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does Certified Solutions, Inc operate? ▼
Certified Solutions, Inc has received CFPB complaints from consumers in 4 states, with the most complaints from New Jersey (57 complaints).
What can I do if Certified Solutions, 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 Solutions, 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 |