Total CFPB complaints
56
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 56 complaints
CHECKredi of Kentucky, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 25 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about CHECKredi of Kentucky, LLC
- False statements or representation
False statements or representation
16 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
16 complaints
- Written notification about debt
Written notification about debt
10 complaints
- Communication tactics 6
Communication tactics
6 complaints
- Electronic communications 2
Electronic communications
2 complaints
- Took or threatened to take negative or legal action 2
Took or threatened to take negative or legal action
2 complaints
D
Grade D · 55.6/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about CHECKredi of Kentucky, LLC?
CHECKredi of Kentucky, LLC has accumulated 56 total CFPB complaints across 25 states, with 18 filed in the most recent 12 months against 38 historical complaints before that window. The trailing-12-month volume represents 32.1% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "False statements or representation", narrowing to "Attempted to collect wrong amount", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 25 states, led by New York with 6 and Massachusetts with 6, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 55.6/100 places CHECKredi of Kentucky, LLC 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
18
32.1% of total history
Rising ↑
States active
25
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
D
55.6/100 composite
Response-quality profile
How CHECKredi of Kentucky, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 44.6%
Share of US states + territories with at least one filed complaint against this collector.
How does CHECKredi of Kentucky, LLC compare to its peers?
CHECKredi of Kentucky,… 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)
2023-06 2026-01
Top Consumer Issues
False statements or representation16 (%)
Attempts to collect debt not owed16 (%)
Written notification about debt10 (%)
Communication tactics6 (%)
Electronic communications2 (%)
Took or threatened to take negative or legal action2 (%)
Most common issue: False statements or representation — Attempted to collect wrong amount
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 |
|---|---|---|
| False statements or representation | Attempted to collect wrong amount | 16 |
| Attempts to collect debt not owed | Debt was paid | 10 |
| Attempts to collect debt not owed | Debt is not yours | 6 |
| Written notification about debt | Didn't receive notice of right to dispute | 6 |
| Communication tactics | Frequent or repeated calls | 5 |
| Written notification about debt | Didn't receive enough information to verify debt | 3 |
| Electronic communications | Frequent or repeated messages | 2 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 2 |
| Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | 1 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 1 |
Where do complaints against CHECKredi of Kentucky, LLC come from?
The states where consumers have filed the most CFPB complaints against CHECKredi of Kentucky, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against CHECKredi of Kentucky, LLC
Across 25 states with at least one filing
- New York
New York
6 complaints
- Massachusetts
Massachusetts
6 complaints
- Texas
Texas
5 complaints
- Connecticut
Connecticut
4 complaints
- South Carolina
South Carolina
3 complaints
- Wyoming
Wyoming
3 complaints
- Georgia
Georgia
3 complaints
- Missouri 2
Missouri
2 complaints
Frequently Asked Questions
What is the most common complaint against CHECKredi of Kentucky, LLC? ▼
The most common issue consumers report about CHECKredi of Kentucky, LLC is "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 56 complaints filed with the CFPB.
Are complaints against CHECKredi of Kentucky, LLC increasing or decreasing? ▼
Complaints against CHECKredi of Kentucky, LLC are rising. The company received 18 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is CHECKredi of Kentucky, LLC's reputation grade? ▼
CHECKredi of Kentucky, LLC has a reputation grade of D (score: 55.6/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does CHECKredi of Kentucky, LLC respond to consumer complaints? ▼
CHECKredi of Kentucky, LLC has a 100% timely response rate to CFPB complaints.
In how many states does CHECKredi of Kentucky, LLC operate? ▼
CHECKredi of Kentucky, LLC has received CFPB complaints from consumers in 25 states, with the most complaints from New York (6 complaints).
What can I do if CHECKredi of Kentucky, LLC 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 CHECKredi of Kentucky, LLC 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 |