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

Data updated July 2026

C

Grade C · 60.3/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of C: Commercial Trade, Inc. ranks ahead of 44% of the 5,283 collectors PlainCollector grades - 56% keep a cleaner CFPB record, on 93 all-time complaints and a 100% timely-response rate.

44th pct
reputation rank of 5,283 graded collectors
93
CFPB complaints, all-time
100%
answered inside the CFPB window
12
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Commercial Trade, Inc.?

Commercial Trade, Inc. has accumulated 93 total CFPB complaints across 16 states, with 12 filed in the most recent 12 months against 81 historical complaints before that window. The trailing-12-month volume represents 12.9% 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". The company posts a 100% timely-response rate against a 24% consumer-dispute-after-response rate.

Complaints have been recorded across 16 states, led by California with 64 and Texas with 9. Normalized against the full CFPB collector database, the reputation score of 60.3/100 places Commercial Trade, Inc. in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

93

low-volume (CCDB)

Last 12 months

12

12.9% of all-time complaints

Falling ↓

States active

16

regional footprint

Timely response rate

100%

excellent band

Consumer disputes

24%

elevated (vertical avg ~19%)

Reputation grade

C

60.3/100 composite

How does Commercial Trade, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

60 44th percentile higher than 44% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Commercial Trade, Inc. versus the debt-collection vertical average.

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) 24.2%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 28.6%

Share of US states + territories with at least one filed complaint against this collector.

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

How does Commercial Trade, Inc. compare? Versus a similar-volume peer and the national average, 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.

Complaint Trend (24 months)

2023-08 2023-08

Issue Detail Breakdown

Issue Sub-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

What to do if Commercial Trade, Inc. contacts you

A grade of C signals how Commercial Trade, Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Commercial Trade, Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Commercial Trade, Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 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: 60.3/100), 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).

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

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.