What is the most common complaint against Charlottesville Bureau of Credits, Inc?

The most common issue consumers report about Charlottesville Bureau of Credits, Inc is "Cont'd attempts collect debt not owed", specifically "Not given enough info to verify debt". This is based on 47 complaints filed with the CFPB.

Are complaints against Charlottesville Bureau of Credits, Inc increasing or decreasing?

Complaints against Charlottesville Bureau of Credits, Inc are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Charlottesville Bureau of Credits, Inc's reputation grade?

Charlottesville Bureau of Credits, Inc has a reputation grade of D (score: 55.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Charlottesville Bureau of Credits, Inc respond to consumer complaints?

Charlottesville Bureau of Credits, Inc has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 38% of cases.

In how many states does Charlottesville Bureau of Credits, Inc operate?

Charlottesville Bureau of Credits, Inc has received CFPB complaints from consumers in 10 states, with the most complaints from Virginia (17 complaints).

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

Charlottesville Bureau of Credits, Inc - Debt Collector Complaint Profile

CFPB complaint profile across 10 states, reputation grade D.

Compiled by PlainCollector

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

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 #1234 · compose #3295

VOL 47
GRADE D
12MO 0
STATES 10
TIMELY 98%
DISPUTE 38%
ISSUE Cont'd attempts collect de…
RANK #1,234
COMPOSE #3,295

Volume peers

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

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 →

State-heavy filing map

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

High volume does not equal a clean composite: Charlottesville Bureau of Credits, Inc is volume #1,234 but composite #3,295, while Virginia dominates the geography. 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
Divergent corpus ranks: #1,234 volume; #3,295 composite; Cleanest-composite ladder is 2,061 places worse than volume

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… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

98%

78%

91%

Consumer-dispute ratelower is better

38%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Virginia

17
Maryland

11
North Carolina

6
Texas

3
West Virginia

3
Florida

2
Alabama

1
Iowa

1

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.