Total CFPB complaints
47
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 47 complaints
Charlottesville Bureau of Credits, Inc — Debt Collector Complaint Profile
CFPB complaint profile across 10 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Charlottesville Bureau of Credits, Inc
- Disclosure verification of debt
Disclosure verification of debt
11 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
11 complaints
- False statements or representation
False statements or representation
5 complaints
- Written notification about debt
Written notification about debt
5 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
5 complaints
- Communication tactics 2
Communication tactics
2 complaints
D
Grade D · 58.9/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Charlottesville Bureau of Credits, Inc?
Charlottesville Bureau of Credits, Inc has accumulated 47 total CFPB complaints across 10 states, with 0 filed in the most recent 12 months against 47 historical complaints before that window. The trailing-12-month volume represents 0.0% 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 "Disclosure verification of debt", narrowing to "Not given enough info to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 98% timely-response rate against a 38% 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 10 states, led by Virginia with 17 and Maryland with 11, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 58.9/100 places Charlottesville Bureau of Credits, Inc in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
10
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Consumer disputes
38%
After company response
Reputation grade
D
58.9/100 composite
Response-quality profile
How Charlottesville Bureau of Credits, Inc performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 97.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 75.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 17.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Charlottesville Bureau of Credits, Inc compare to its peers?
Charlottesville Bureau… 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)
2015-12 2021-05
Top Consumer Issues
Disclosure verification of debt11 (%)
Cont'd attempts collect debt not owed11 (%)
False statements or representation5 (%)
Written notification about debt5 (%)
Attempts to collect debt not owed5 (%)
Communication tactics2 (%)
Improper contact or sharing of info2 (%)
Took or threatened to take negative or legal action1 (%)
Most common issue: Disclosure verification of debt — Not given enough info to verify debt
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 |
|---|---|---|
| Disclosure verification of debt | Not given enough info to verify debt | 9 |
| Cont'd attempts collect debt not owed | Debt is not mine | 6 |
| False statements or representation | Attempted to collect wrong amount | 5 |
| Written notification about debt | Didn't receive enough information to verify debt | 5 |
| Cont'd attempts collect debt not owed | Debt was paid | 5 |
| Attempts to collect debt not owed | Debt is not yours | 5 |
| Communication tactics | Frequent or repeated calls | 2 |
| Improper contact or sharing of info | Talked to a third party about my debt | 2 |
| Disclosure verification of debt | Not disclosed as an attempt to collect | 2 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
Where do complaints against Charlottesville Bureau of Credits, Inc come from?
The states where consumers have filed the most CFPB complaints against Charlottesville Bureau of Credits, Inc. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Charlottesville Bureau of Credits, Inc
Across 10 states with at least one filing
- Virginia
Virginia
17 complaints
- Maryland
Maryland
11 complaints
- North Carolina 6
North Carolina
6 complaints
- West Virginia 3
West Virginia
3 complaints
- Texas 3
Texas
3 complaints
- Florida 2
Florida
2 complaints
- New York 1
New York
1 complaints
- Alabama 1
Alabama
1 complaints
Frequently Asked Questions
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 "Disclosure verification of debt", 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 have been stable. The company received 0 complaints in the last 12 months.
What is Charlottesville Bureau of Credits, Inc's reputation grade? ▼
Charlottesville Bureau of Credits, Inc has a reputation grade of D (score: 58.9/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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).
What can I do if Charlottesville Bureau of Credits, 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 Charlottesville Bureau of Credits, 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 |