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

Data updated July 2026

D

Grade D · 58.9/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Charlottesville Bureau of Credits, Inc ranks ahead of 39% of the 5,283 collectors PlainCollector grades - 61% keep a cleaner CFPB record, on 47 all-time complaints and a 98% timely-response rate.

39th pct
reputation rank of 5,283 graded collectors
47
CFPB complaints, all-time
98%
answered inside the CFPB window
0
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

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 falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Cont'd attempts collect debt not owed", narrowing to "Not given enough info to verify debt". The company posts a 98% timely-response rate against a 38% consumer-dispute-after-response rate.

Complaints have been recorded across 10 states, led by Virginia with 17 and Maryland with 11. Normalized against the full CFPB collector database, the reputation score of 58.9/100 places Charlottesville Bureau of Credits, Inc in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

47

low-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

10

regional footprint

Timely response rate

98%

excellent band

Consumer disputes

38%

high (vertical avg ~19%)

Reputation grade

D

58.9/100 composite

How does Charlottesville Bureau of Credits, Inc's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

59 39th percentile higher than 39% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Charlottesville Bureau of Credits, Inc versus the debt-collection vertical average.

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) 37.5%
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?

How does Charlottesville Bureau of Credits, Inc compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Charlottesville Bureau… 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.

Complaint Trend (24 months)

2024-02 2026-03

Issue Detail Breakdown

Issue Sub-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

What to do if Charlottesville Bureau of Credits, Inc contacts you

A grade of D signals how Charlottesville Bureau of Credits, Inc's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Charlottesville Bureau of Credits, Inc and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Charlottesville Bureau of Credits, Inc ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 "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: 58.9/100), 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).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.