What is the most common complaint against Concerto Card Company?

The most common issue consumers report about Concerto Card Company is "Attempts to collect debt not owed", specifically "Debt was already discharged in bankruptcy and is no longer owed". This is based on 1 complaints filed with the CFPB.

Are complaints against Concerto Card Company increasing or decreasing?

Complaints against Concerto Card Company are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Concerto Card Company's reputation grade?

Concerto Card Company has a reputation grade of A (score: 80.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Concerto Card Company respond to consumer complaints?

Concerto Card Company has a 100% timely response rate to CFPB complaints.

In how many states does Concerto Card Company operate?

Concerto Card Company has received CFPB complaints from consumers in 1 states, with the most complaints from Texas (1 complaints).

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

Concerto Card Company - Debt Collector Complaint Profile

CFPB complaint profile across 1 states, reputation grade A.

Compiled by PlainCollector

Attempts to collect debt not owed

1

Data updated September 2026

CFPB complaint disposition

CCDB record concerto-card-company Concerto Card Company

Grade A · 1 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #4650 · compose #375

VOL 1
GRADE A
12MO 0
STATES 1
TIMELY 100%
ISSUE Attempts to collect debt n…
RANK #4,650
COMPOSE #375

Volume peers

Nearest volume peer: 245 Holdings LLC (1 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Concerto Card Company's 1 CFPB complaints sit next to 245 Holdings LLC 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

100.0% of Concerto Card Company's CFPB filings land in Texas

High volume does not equal a clean composite: Concerto Card Company is volume #4,650 but composite #375, while Texas dominates the geography. Corpus placement method.

Dominant state: Texas 100.0%; 1 of 1 filings · 1 states touched
Spike month: 2013-09 50.0%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #4,650 volume; #375 composite; Cleanest-composite ladder is 4,275 places better than volume

How does Concerto Card Company compare to its peers?

How does Concerto Card Company compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Concerto Card Company National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2013-09 2014-04

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	1

Where do complaints against Concerto Card Company come from?

Concerto Card Company's own per-state count, not a national baseline.

Texas

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Concerto Card Company: 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: 1.

4 peers

Know your rights before responding to Concerto Card Company: 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.