Total CFPB complaints
5
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 5 complaints
CIS DIRECT LENDING — Debt Collector Complaint Profile
CFPB complaint profile across 2 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about CIS DIRECT LENDING
- Written notification about debt
Written notification about debt
4 complaints
- Taking/threatening an illegal action 1
Taking/threatening an illegal action
1 complaints
C
Grade C · 61.5/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about CIS DIRECT LENDING?
CIS DIRECT LENDING has accumulated 5 total CFPB complaints across 2 states, with 0 filed in the most recent 12 months against 5 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 "Written notification about debt", narrowing to "Didn't receive enough information to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 40% timely-response rate against a 0% 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 2 states, led by Alabama with 4 and Michigan with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 61.5/100 places CIS DIRECT LENDING in grade band C, 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
2
Distinct state filings
Timely response rate
40%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
C
61.5/100 composite
Response-quality profile
How CIS DIRECT LENDING performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 40.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 3.6%
Share of US states + territories with at least one filed complaint against this collector.
How does CIS DIRECT LENDING compare to its peers?
CIS DIRECT LENDING 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)
2014-12 2018-07
Top Consumer Issues
Written notification about debt4 (%)
Taking/threatening an illegal action1 (%)
Most common issue: Written notification about debt — Didn't receive enough information 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 |
|---|---|---|
| Written notification about debt | Didn't receive enough information to verify debt | 3 |
| Taking/threatening an illegal action | Seized/Attempted to seize property | 1 |
| Written notification about debt | Didn't receive notice of right to dispute | 1 |
Where do complaints against CIS DIRECT LENDING come from?
The states where consumers have filed the most CFPB complaints against CIS DIRECT LENDING. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against CIS DIRECT LENDING
Across 2 states with at least one filing
- Alabama
Alabama
4 complaints
- Michigan 1
Michigan
1 complaints
Frequently Asked Questions
What is the most common complaint against CIS DIRECT LENDING? ▼
The most common issue consumers report about CIS DIRECT LENDING is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 5 complaints filed with the CFPB.
Are complaints against CIS DIRECT LENDING increasing or decreasing? ▼
Complaints against CIS DIRECT LENDING have been stable. The company received 0 complaints in the last 12 months.
What is CIS DIRECT LENDING's reputation grade? ▼
CIS DIRECT LENDING has a reputation grade of C (score: 61.5/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does CIS DIRECT LENDING respond to consumer complaints? ▼
CIS DIRECT LENDING has a 40% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does CIS DIRECT LENDING operate? ▼
CIS DIRECT LENDING has received CFPB complaints from consumers in 2 states, with the most complaints from Alabama (4 complaints).
What can I do if CIS DIRECT LENDING 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 CIS DIRECT LENDING 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 |