What is the most common complaint against Commercial Trade, Inc.?

The most common issue consumers report about Commercial Trade, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 93 complaints filed with the CFPB.

Are complaints against Commercial Trade, Inc. increasing or decreasing?

Complaints against Commercial Trade, Inc. are falling. The company received 12 complaints in the last 12 months, showing improvement over prior periods.

What is Commercial Trade, Inc.'s reputation grade?

Commercial Trade, Inc. has a reputation grade of C (score: 56.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Commercial Trade, Inc. respond to consumer complaints?

Commercial Trade, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 24% of cases.

In how many states does Commercial Trade, Inc. operate?

Commercial Trade, Inc. has received CFPB complaints from consumers in 16 states, with the most complaints from California (64 complaints).

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

Commercial Trade, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 16 states, reputation grade C.

Compiled by PlainCollector

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

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 #847 · compose #3012

VOL 93
GRADE C
12MO 12
STATES 16
TIMELY 100%
DISPUTE 24%
ISSUE Attempts to collect debt n…
RANK #847
COMPOSE #3,012

Volume peers

Nearest volume peer: Collection Management Company (93 complaints)

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 →

State-heavy filing map

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

High volume does not equal a clean composite: Commercial Trade, Inc. is volume #847 but composite #3,012, while California dominates the geography. 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)
Divergent corpus ranks: #847 volume; #3,012 composite; Cleanest-composite ladder is 2,165 places worse than volume

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

268

Timely-response ratehigher is better

100%

97%

91%

Consumer-dispute ratelower is better

24%

22%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

California

64
Texas

9
Alabama

2
Nevada

2
Ohio

2
Oklahoma

2
Tennessee

2
Arizona

1

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.