Total CFPB complaints
4
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 4 complaints
Columbia Credits, Inc — Debt Collector Complaint Profile
CFPB complaint profile across 3 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Columbia Credits, Inc
- Taking/threatening an illegal action
Taking/threatening an illegal action
1 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
1 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
1 complaints
- Improper contact or sharing of info
Improper contact or sharing of info
1 complaints
D
Grade D · 58.3/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Columbia Credits, Inc?
Columbia Credits, Inc has accumulated 4 total CFPB complaints across 3 states, with 0 filed in the most recent 12 months against 4 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 "Taking/threatening an illegal action", narrowing to "Threatened to sue on too old debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 25% 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 3 states, led by Oregon with 2 and Virginia 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 58.3/100 places Columbia Credits, Inc 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
0
0.0% of total history
Stable →
States active
3
Distinct state filings
Timely response rate
25%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
D
58.3/100 composite
Response-quality profile
How Columbia Credits, Inc performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 25.0%
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 5.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Columbia Credits, Inc compare to its peers?
Columbia Credits, Inc 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)
2014-08 2018-10
Top Consumer Issues
Taking/threatening an illegal action1 (%)
Cont'd attempts collect debt not owed1 (%)
Attempts to collect debt not owed1 (%)
Improper contact or sharing of info1 (%)
Most common issue: Taking/threatening an illegal action — Threatened to sue on too old 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 |
|---|---|---|
| Taking/threatening an illegal action | Threatened to sue on too old debt | 1 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 1 |
| Improper contact or sharing of info | Contacted employer after asked not to | 1 |
Where do complaints against Columbia Credits, Inc come from?
The states where consumers have filed the most CFPB complaints against Columbia Credits, Inc. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Columbia Credits, Inc
Across 3 states with at least one filing
- Oregon
Oregon
2 complaints
- Virginia
Virginia
1 complaints
- Idaho
Idaho
1 complaints
Frequently Asked Questions
What is the most common complaint against Columbia Credits, Inc? ▼
The most common issue consumers report about Columbia Credits, Inc is "Taking/threatening an illegal action", specifically "Threatened to sue on too old debt". This is based on 4 complaints filed with the CFPB.
Are complaints against Columbia Credits, Inc increasing or decreasing? ▼
Complaints against Columbia Credits, Inc have been stable. The company received 0 complaints in the last 12 months.
What is Columbia Credits, Inc's reputation grade? ▼
Columbia Credits, Inc has a reputation grade of D (score: 58.3/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Columbia Credits, Inc respond to consumer complaints? ▼
Columbia Credits, Inc has a 25% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does Columbia Credits, Inc operate? ▼
Columbia Credits, Inc has received CFPB complaints from consumers in 3 states, with the most complaints from Oregon (2 complaints).
What can I do if Columbia Credits, Inc 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 Columbia Credits, Inc 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 |