Total CFPB complaints
276
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 276 complaints
Complete Credit Solutions, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 35 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Complete Credit Solutions, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
126 complaints
- Written notification about debt
Written notification about debt
57 complaints
- Took or threatened to take negative or legal action 41
Took or threatened to take negative or legal action
41 complaints
- False statements or representation 25
False statements or representation
25 complaints
- Communication tactics 4
Communication tactics
4 complaints
D
Grade D · 54.8/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Complete Credit Solutions, Inc.?
Complete Credit Solutions, Inc. has accumulated 276 total CFPB complaints across 35 states, with 52 filed in the most recent 12 months against 224 historical complaints before that window. The trailing-12-month volume represents 18.8% 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 98% timely-response rate against a 30% 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 35 states, led by Texas with 54 and Georgia with 28, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 54.8/100 places Complete Credit Solutions, Inc. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
52
18.8% of total history
Falling ↓
States active
35
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Consumer disputes
30%
After company response
Reputation grade
D
54.8/100 composite
Response-quality profile
How Complete Credit Solutions, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 60.0%
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?
Complete Credit Soluti… 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)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed126 (%)
Written notification about debt57 (%)
Took or threatened to take negative or legal action41 (%)
False statements or representation25 (%)
Communication tactics4 (%)
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 | 81 |
| Attempts to collect debt not owed | Debt was result of identity theft | 39 |
| Written notification about debt | Didn't receive enough information to verify debt | 38 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 37 |
| False statements or representation | Attempted to collect wrong amount | 21 |
| Written notification about debt | Didn't receive notice of right to dispute | 19 |
| Attempts to collect debt not owed | Debt was paid | 6 |
| Communication tactics | Used obscene, profane, or other abusive language | 4 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 4 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 4 |
Where do complaints against Complete Credit Solutions, Inc. come from?
The states where consumers have filed the most CFPB complaints against Complete Credit Solutions, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Complete Credit Solutions, Inc.
Across 35 states with at least one filing
- Texas
Texas
54 complaints
- Georgia
Georgia
28 complaints
- North Carolina
North Carolina
22 complaints
- Florida
Florida
22 complaints
- California 20
California
20 complaints
- New York 13
New York
13 complaints
- Maryland 10
Maryland
10 complaints
- Ohio 9
Ohio
9 complaints
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 276 complaints filed with the CFPB.
Are complaints against Complete Credit Solutions, Inc. increasing or decreasing? ▼
Complaints against Complete Credit Solutions, Inc. are falling. The company received 52 complaints in the last 12 months, showing improvement over prior periods.
What is Complete Credit Solutions, Inc.'s reputation grade? ▼
Complete Credit Solutions, Inc. has a reputation grade of D (score: 54.8/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (54 complaints).
What can I do if Complete Credit Solutions, 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 Complete Credit Solutions, 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 |