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

CFPB complaint data Grade F 10 complaints

ClearBalance Holdings, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 8 states, reputation grade F.

Complaints by issue type

What consumers report about ClearBalance Holdings, LLC

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 39.7/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

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

The verdict

A reputation grade of F: ClearBalance Holdings, LLC ranks ahead of 3% of the 5,283 collectors PlainCollector grades - 97% keep a cleaner CFPB record, on 10 all-time complaints and a 17% timely-response rate.

3rd pct
reputation rank of 5,283 graded collectors
10
CFPB complaints, all-time
17%
answered inside the CFPB window
9
in the last 12 months (rising)

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 ClearBalance Holdings, LLC?

ClearBalance Holdings, LLC has accumulated 10 total CFPB complaints across 8 states, with 9 filed in the most recent 12 months against 1 historical complaints before that window. The trailing-12-month volume represents 90.0% 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 "Attempts to collect debt not owed", narrowing to "Frequent or repeated calls". The company posts a 17% timely-response rate.

Complaints have been recorded across 8 states, led by Georgia with 3 and Florida with 1. Normalized against the full CFPB collector database, the reputation score of 39.7/100 places ClearBalance Holdings, LLC in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

10

low-volume (CCDB)

Last 12 months

9

90.0% of all-time complaints

Rising ↑

States active

8

regional footprint

Timely response rate

17%

below sla band

Reputation grade

F

39.7/100 composite

How does ClearBalance Holdings, LLC's reputation rank nationally?

Reputation score vs. every graded collector

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

40 Bottom 3% higher than 3% 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%). This entry sits in this band. 40–50: 583 graded collectors (11%). Above this entry. 50–60: 1,469 graded collectors (28%). Above this entry. 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

ClearBalance Holdings, LLC versus the debt-collection vertical average.

Timely response within SLA 16.7%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

State coverage breadth 14.3%

Share of US states + territories with at least one filed complaint against this collector.

How does ClearBalance Holdings, LLC compare to its peers?

How does ClearBalance Holdings, LLC compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
ClearBalance Holdings,… National average
Complaints (last 12 mo)lower is better
9
10
268
Timely-response ratehigher is better
17%
100%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2013-12 2022-11

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 3
Communication tactics - 2
Threatened to contact someone or share information improperly - 2
Took or threatened to take negative or legal action - 1
False statements or representation - 1
Electronic communications - 1

Where do complaints against ClearBalance Holdings, LLC come from?

ClearBalance Holdings, LLC's own per-state count, not a national baseline.

Top states by complaints against ClearBalance Holdings, LLC

Across 8 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if ClearBalance Holdings, LLC contacts you

A grade of F signals how ClearBalance Holdings, LLC'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 ClearBalance Holdings, LLC 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 ClearBalance Holdings, LLC 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 ClearBalance Holdings, LLC? ▼

The most common issue consumers report about ClearBalance Holdings, LLC is "Attempts to collect debt not owed", specifically "Frequent or repeated calls". This is based on 10 complaints filed with the CFPB.

Are complaints against ClearBalance Holdings, LLC increasing or decreasing? ▼

Complaints against ClearBalance Holdings, LLC are rising. The company received 9 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is ClearBalance Holdings, LLC's reputation grade? ▼

ClearBalance Holdings, LLC has a reputation grade of F (score: 39.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does ClearBalance Holdings, LLC respond to consumer complaints? ▼

ClearBalance Holdings, LLC has a 17% timely response rate to CFPB complaints.

In how many states does ClearBalance Holdings, LLC operate? ▼

ClearBalance Holdings, LLC has received CFPB complaints from consumers in 8 states, with the most complaints from Georgia (3 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.