What is the most common complaint against Co-Operative Adjustment Bureau, Inc.?

The most common issue consumers report about Co-Operative Adjustment Bureau, Inc. is "Attempts to collect debt not owed", specifically "Attempted to collect wrong amount". This is based on 18 complaints filed with the CFPB.

Are complaints against Co-Operative Adjustment Bureau, Inc. increasing or decreasing?

Complaints against Co-Operative Adjustment Bureau, Inc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Co-Operative Adjustment Bureau, Inc.'s reputation grade?

Co-Operative Adjustment Bureau, Inc. has a reputation grade of B (score: 68.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Co-Operative Adjustment Bureau, Inc. respond to consumer complaints?

Co-Operative Adjustment Bureau, Inc. has a 94% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Co-Operative Adjustment Bureau, Inc. operate?

Co-Operative Adjustment Bureau, Inc. has received CFPB complaints from consumers in 7 states, with the most complaints from California (12 complaints).

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

Co-Operative Adjustment Bureau, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 7 states, reputation grade B.

Compiled by PlainCollector

Attempts to collect debt not owed

8
False statements or representation

4
Took or threatened to take negative or legal action

3
Written notification about debt

1
Cont'd attempts collect debt not owed

1
Improper contact or sharing of info

1

Data updated September 2026

CFPB complaint disposition

CCDB record co-operative-adjustment-bureau-inc Co-Operative Adjustment Bureau, Inc.

Grade B · 18 CFPB filings · 94% timely · lead issue: Attempts to collect debt not owed · vol #1972 · compose #1426

VOL 18
GRADE B
12MO 0
STATES 7
TIMELY 94%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #1,972
COMPOSE #1,426

Volume peers

Nearest volume peer: Ameris Bancorp (18 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Co-Operative Adjustment Bureau, Inc.'s 18 CFPB complaints sit next to Ameris Bancorp on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

66.7% of Co-Operative Adjustment Bureau, Inc.'s CFPB filings land in California

High volume does not equal a clean composite: Co-Operative Adjustment Bureau, Inc. is volume #1,972 but composite #1,426, while California dominates the geography. Corpus placement method.

Dominant state: California 66.7%; 12 of 18 filings · 7 states touched
Spike month: 2017-06 16.7%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #1,972 volume; #1,426 composite; Cleanest-composite ladder is 546 places better than volume

How does Co-Operative Adjustment Bureau, Inc. compare to its peers?

How does Co-Operative Adjustment Bureau, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Co-Operative Adjustmen… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

94%

100%

91%

Consumer-dispute ratelower is better

22%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2017-06 2025-04

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	8
False statements or representation	4
Took or threatened to take negative or legal action	3
Written notification about debt	1
Cont'd attempts collect debt not owed	1
Improper contact or sharing of info	1

Where do complaints against Co-Operative Adjustment Bureau, Inc. come from?

Co-Operative Adjustment Bureau, Inc.'s own per-state count, not a national baseline.

California

12
Arizona

1
Florida

1
Georgia

1
Michigan

1
New York

1
Washington

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Co-Operative Adjustment Bureau, Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 18.

4 peers

Know your rights before responding to Co-Operative Adjustment Bureau, Inc.: FDCPA rights guide · debt validation letter · rights library.

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

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

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.