Total CFPB complaints
302
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 302 complaints
Concord Servicing Corporation — Debt Collector Complaint Profile
CFPB complaint profile across 43 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Concord Servicing Corporation
- Attempts to collect debt not owed
Attempts to collect debt not owed
100 complaints
- Written notification about debt
Written notification about debt
40 complaints
- False statements or representation 38
False statements or representation
38 complaints
- Took or threatened to take negative or legal action 34
Took or threatened to take negative or legal action
34 complaints
- Communication tactics 32
Communication tactics
32 complaints
- Cont'd attempts collect debt not owed 14
Cont'd attempts collect debt not owed
14 complaints
C
Grade C · 60.1/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Concord Servicing Corporation?
Concord Servicing Corporation has accumulated 302 total CFPB complaints across 43 states, with 117 filed in the most recent 12 months against 185 historical complaints before that window. The trailing-12-month volume represents 38.7% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
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 99% timely-response rate against a 10% 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 43 states, led by California with 55 and Texas with 45, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 60.1/100 places Concord Servicing Corporation 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
117
38.7% of total history
Rising ↑
States active
43
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
10%
After company response
Reputation grade
C
60.1/100 composite
Response-quality profile
How Concord Servicing Corporation performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 19.5%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 76.8%
Share of US states + territories with at least one filed complaint against this collector.
How does Concord Servicing Corporation compare to its peers?
Concord Servicing Corp… 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 owed100 (%)
False statements or representation38 (%)
Took or threatened to take negative or legal action34 (%)
Written notification about debt40 (%)
Communication tactics32 (%)
Cont'd attempts collect debt not owed14 (%)
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 | 65 |
| False statements or representation | Attempted to collect wrong amount | 38 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 34 |
| Written notification about debt | Didn't receive enough information to verify debt | 28 |
| Attempts to collect debt not owed | Debt was result of identity theft | 21 |
| Communication tactics | Frequent or repeated calls | 17 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 15 |
| Attempts to collect debt not owed | Debt was paid | 14 |
| Cont'd attempts collect debt not owed | Debt is not mine | 14 |
| Written notification about debt | Didn't receive notice of right to dispute | 12 |
Where do complaints against Concord Servicing Corporation come from?
The states where consumers have filed the most CFPB complaints against Concord Servicing Corporation. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Concord Servicing Corporation
Across 43 states with at least one filing
- California
California
55 complaints
- Texas
Texas
45 complaints
- Georgia
Georgia
24 complaints
- Florida 21
Florida
21 complaints
- Mississippi 9
Mississippi
9 complaints
- New Jersey 9
New Jersey
9 complaints
- Illinois 9
Illinois
9 complaints
- New York 8
New York
8 complaints
Frequently Asked Questions
What is the most common complaint against Concord Servicing Corporation? ▼
The most common issue consumers report about Concord Servicing Corporation is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 302 complaints filed with the CFPB.
Are complaints against Concord Servicing Corporation increasing or decreasing? ▼
Complaints against Concord Servicing Corporation are rising. The company received 117 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Concord Servicing Corporation's reputation grade? ▼
Concord Servicing Corporation has a reputation grade of C (score: 60.1/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Concord Servicing Corporation respond to consumer complaints? ▼
Concord Servicing Corporation has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 10% of cases.
In how many states does Concord Servicing Corporation operate? ▼
Concord Servicing Corporation has received CFPB complaints from consumers in 43 states, with the most complaints from California (55 complaints).
What can I do if Concord Servicing Corporation 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 Concord Servicing Corporation 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 |