Total CFPB complaints
88
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 88 complaints
Commercial Trade, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 15 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Commercial Trade, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
30 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
13 complaints
- False statements or representation 11
False statements or representation
11 complaints
- Written notification about debt 11
Written notification about debt
11 complaints
- Disclosure verification of debt 7
Disclosure verification of debt
7 complaints
- Took or threatened to take negative or legal action 3
Took or threatened to take negative or legal action
3 complaints
C
Grade C · 60.3/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Commercial Trade, Inc.?
Commercial Trade, Inc. has accumulated 88 total CFPB complaints across 15 states, with 7 filed in the most recent 12 months against 81 historical complaints before that window. The trailing-12-month volume represents 8.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 24% 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 15 states, led by California with 60 and Texas with 9, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 60.3/100 places Commercial Trade, Inc. in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
7
8.0% of total history
Falling ↓
States active
15
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
24%
After company response
Reputation grade
C
60.3/100 composite
Response-quality profile
How Commercial Trade, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 48.5%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 26.8%
Share of US states + territories with at least one filed complaint against this collector.
How does Commercial Trade, Inc. compare to its peers?
Commercial Trade, 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)
2020-10 2026-01
Top Consumer Issues
Attempts to collect debt not owed30 (%)
Cont'd attempts collect debt not owed13 (%)
False statements or representation11 (%)
Written notification about debt11 (%)
Disclosure verification of debt7 (%)
Took or threatened to take negative or legal action3 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 20 |
| Cont'd attempts collect debt not owed | Debt is not mine | 13 |
| False statements or representation | Attempted to collect wrong amount | 11 |
| Attempts to collect debt not owed | Debt was result of identity theft | 7 |
| Written notification about debt | Didn't receive notice of right to dispute | 7 |
| Disclosure verification of debt | Right to dispute notice not received | 4 |
| Written notification about debt | Didn't receive enough information to verify debt | 4 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 3 |
| Attempts to collect debt not owed | Debt was paid | 3 |
| Disclosure verification of debt | Not given enough info to verify debt | 3 |
Where do complaints against Commercial Trade, Inc. come from?
The states where consumers have filed the most CFPB complaints against Commercial Trade, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Commercial Trade, Inc.
Across 15 states with at least one filing
- California
California
60 complaints
- Texas 9
Texas
9 complaints
- Alabama 2
Alabama
2 complaints
- Tennessee 2
Tennessee
2 complaints
- Nevada 2
Nevada
2 complaints
- Oklahoma 2
Oklahoma
2 complaints
- Ohio 2
Ohio
2 complaints
- Wisconsin 1
Wisconsin
1 complaints
Frequently Asked Questions
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 88 complaints filed with the CFPB.
Are complaints against Commercial Trade, Inc. increasing or decreasing? ▼
Complaints against Commercial Trade, Inc. are falling. The company received 7 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: 60.3/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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 15 states, with the most complaints from California (60 complaints).
What can I do if Commercial Trade, 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 Commercial Trade, 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 |