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

CFPB complaint data Grade C 93 complaints

Commercial Trade, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 16 states, reputation grade C.

Complaints by issue type

What consumers report about Commercial Trade, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record commercial-trade-inc Commercial Trade, Inc.

Grade C · 93 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed

  • VOL 93
  • GRADE C
  • 12MO 12
  • STATES 16
  • TIMELY 100%
  • DISPUTE 24%
  • ISSUE Attempts to collect debt n…
  • RANK #847
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Collection Management Company (93 complaints)

Collection Management CompanyCollection Management Company93Corelogic IncCorelogic Inc93FINEX Group LLCFINEX Group LLC93Southern Auto Finance CoSouthern Auto Finance Co93Commercial Trade, Inc. (this)Commercial Trade, Inc. (this)93
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Commercial Trade, Inc.'s 93 CFPB complaints sit next to Collection Management Company 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 →

How the 93 complaints break down

Every complaint issue type on record for Commercial Trade, Inc., not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
56.6/100
Commercial Trade, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
93
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
24%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

68.8% of Commercial Trade, Inc.'s CFPB filings land in California

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
California 68.8%
64 of 93 filings · 16 states touched
Spike month
2023-08 100.0%
3 filings that month · spiky (≥15% of series)
Corpus ranks
#847 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Commercial Trade, Inc. compare to its peers?

How does Commercial Trade, 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
Commercial Trade, Inc. National average
Complaints (last 12 mo)lower is better
12
0
268
Timely-response ratehigher is better
100%
97%
91%
Consumer-dispute ratelower is better
24%
22%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Commercial Trade, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 20%40%60%80%100%120% 0%10%20%30%40%50% Timely response rate (%) Dispute rate (%) Commercial Trade, Inc. vs. 10 similar-volume peers, by response speed and dispute rate Commercial Trade, Inc.Collection Management CompanyFINEX Group LLCCORELOGIC INCSouthern Auto Finance CoSouthern Oregon Credit Service, Inc.ROC Asset Solutions, LLCJP RECOVERY SERVICES, INC.DFC Global Corp.Consolidated Recovery Group, LLCAR Resources, Inc. (FL)
Source: CFPB Consumer Complaint Database

Commercial Trade, Inc.'s complaint volume in context

Commercial Trade, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

93 Top 16% higher than 84% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). This entry sits in this band. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Commercial Trade, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2023-08 2023-08

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
33
Cont'd attempts collect debt not owed
17
Written notification about debt
13
False statements or representation
13
Disclosure verification of debt
8
Took or threatened to take negative or legal action
4
Communication tactics
2
Threatened to contact someone or share information improperly
1
Improper contact or sharing of info
1
Taking/threatening an illegal action
1

Where do complaints against Commercial Trade, Inc. come from?

Commercial Trade, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Commercial Trade, Inc.

Across 16 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Commercial Trade, 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: 93.

4 peers

Know your rights before responding to Commercial Trade, 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.