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

CFPB complaint data Grade D 296 complaints

Complete Credit Solutions, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 35 states, reputation grade D.

Complaints by issue type

What consumers report about Complete Credit Solutions, Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 54.8/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

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

The verdict

A reputation grade of D: Complete Credit Solutions, Inc. ranks ahead of 25% of the 5,283 collectors PlainCollector grades - 75% keep a cleaner CFPB record, on 296 all-time complaints and a 98% timely-response rate.

25th pct
reputation rank of 5,283 graded collectors
296
CFPB complaints, all-time
98%
answered inside the CFPB window
57
in the last 12 months (stable)

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 Complete Credit Solutions, Inc.?

Complete Credit Solutions, Inc. has accumulated 296 total CFPB complaints across 35 states, with 57 filed in the most recent 12 months against 239 historical complaints before that window. The trailing-12-month volume represents 19.3% 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 "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 98% timely-response rate against a 30% consumer-dispute-after-response rate.

Complaints have been recorded across 35 states, led by Texas with 63 and Georgia with 30. Normalized against the full CFPB collector database, the reputation score of 54.8/100 places Complete Credit Solutions, Inc. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

296

mid-volume (CCDB)

Last 12 months

57

19.3% of all-time complaints

Stable →

States active

35

multi-region footprint

Timely response rate

98%

excellent band

Consumer disputes

30%

high (vertical avg ~19%)

Reputation grade

D

54.8/100 composite

How does Complete Credit Solutions, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

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

55 Bottom 25% higher than 25% 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%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 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

Complete Credit Solutions, Inc. versus the debt-collection vertical average.

Timely response within SLA 98.2%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 30.0%
Vertical avg

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

State coverage breadth 62.5%

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

How does Complete Credit Solutions, Inc. compare to its peers?

How does Complete Credit Solutions, Inc. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Complete Credit Soluti… National average
Complaints (last 12 mo)lower is better
57
73
268
Timely-response ratehigher is better
98%
99%
91%
Consumer-dispute ratelower is better
30%
16%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 136
Written notification about debt - 63
Took or threatened to take negative or legal action - 49
False statements or representation - 29
Communication tactics - 9
Disclosure verification of debt - 4
Threatened to contact someone or share information improperly - 3
Cont'd attempts collect debt not owed - 2
Electronic communications - 1

Where do complaints against Complete Credit Solutions, Inc. come from?

Complete Credit Solutions, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Complete Credit Solutions, Inc.

Across 35 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Complete Credit Solutions, Inc. contacts you

A grade of D signals how Complete Credit Solutions, 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 Complete Credit Solutions, 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 Complete Credit Solutions, 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 Complete Credit Solutions, Inc.? ▼

The most common issue consumers report about Complete Credit Solutions, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 296 complaints filed with the CFPB.

Are complaints against Complete Credit Solutions, Inc. increasing or decreasing? ▼

Complaints against Complete Credit Solutions, Inc. have been stable. The company received 57 complaints in the last 12 months.

What is Complete Credit Solutions, Inc.'s reputation grade? ▼

Complete Credit Solutions, Inc. has a reputation grade of D (score: 54.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Complete Credit Solutions, Inc. respond to consumer complaints? ▼

Complete Credit Solutions, Inc. has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 30% of cases.

In how many states does Complete Credit Solutions, Inc. operate? ▼

Complete Credit Solutions, Inc. has received CFPB complaints from consumers in 35 states, with the most complaints from Texas (63 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.