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

CFPB complaint data Grade D 47 complaints

Charlottesville Bureau of Credits, Inc - Debt Collector Complaint Profile

CFPB complaint profile across 10 states, reputation grade D.

Complaints by issue type

What consumers report about Charlottesville Bureau of Credits, Inc

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record charlottesville-bureau-of-credits-inc Charlottesville Bureau of Credits, Inc

Grade D · 47 CFPB filings · 98% timely · lead issue: Cont'd attempts collect debt not owed

  • VOL 47
  • GRADE D
  • 12MO 0
  • STATES 10
  • TIMELY 98%
  • DISPUTE 38%
  • ISSUE Cont'd attempts collect de…
  • RANK #1,234
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Bayside Capital Services, LLC (47 complaints)

Bayside Capital Services, LLCBayside Capital Services, LLC47Charleston Area Medical CenterCharleston Area Medical Cent…47Collection Technology IncorporatedCollection Technology Incorp…47Cooper Hoffman Klein AssociatesCooper Hoffman Klein Associa…47Charlottesville Bureau of Credits, Inc (this)Charlottesville Bureau of Cr…47
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Charlottesville Bureau of Credits, Inc's 47 CFPB complaints sit next to Bayside Capital Services, LLC 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 →

How the 47 complaints break down

Every complaint issue type on record for Charlottesville Bureau of Credits, Inc, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
55.2/100
Charlottesville Bureau of Credits, Inc

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume D
47
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
98%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
38%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

36.2% of Charlottesville Bureau of Credits, Inc's CFPB filings land in Virginia

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
Virginia 36.2%
17 of 47 filings · 10 states touched
Seasonal peak
2026-02 10.7%
8–15% band · 16 filings
Corpus ranks
#1,234 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Charlottesville Bureau of Credits, Inc compare to its peers?

How does Charlottesville Bureau of Credits, 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
Charlottesville Bureau of Credits, Inc National average
Complaints (last 12 mo)lower is better
0
6
268
Timely-response ratehigher is better
98%
78%
91%
Consumer-dispute ratelower is better
38%
0%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Charlottesville Bureau of Credits, Inc a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 0%50%100%150% 0%50%100%150% Timely response rate (%) Dispute rate (%) Charlottesville Bureau of Credits, Inc vs. 9 similar-volume peers, by response speed and dispute rate Charlottesville Bureau of Credits, IncCharleston Area Medical CenterCollection Technology IncorporatedBayside Capital Services, LLCCooper Hoffman Klein AssociatesEagle Recovery Associates, Inc.First Associates Loan Servicing LLCLAKEVIEW LOAN SERVICING, LLCLendingUSAMIDFIRST BANK
Source: CFPB Consumer Complaint Database

Charlottesville Bureau of Credits, Inc's complaint volume in context

Charlottesville Bureau of Credits, Inc vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

47 Top 23% higher than 77% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). This entry sits in this band. 60–80: 163 collectors (3%). Above this entry. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Charlottesville Bureau of Credits, Inc 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2024-02 2026-03

Issue Detail Breakdown

Issue Complaints
Cont'd attempts collect debt not owed
13
Disclosure verification of debt
11
Attempts to collect debt not owed
7
Written notification about debt
6
False statements or representation
5
Communication tactics
2
Improper contact or sharing of info
2
Took or threatened to take negative or legal action
1

Where do complaints against Charlottesville Bureau of Credits, Inc come from?

Charlottesville Bureau of Credits, Inc's own per-state count, not a national baseline.

Top states by complaints against Charlottesville Bureau of Credits, Inc

Across 10 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Charlottesville Bureau of Credits, 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: 47.

4 peers

Know your rights before responding to Charlottesville Bureau of Credits, 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.