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

CFPB complaint data Grade D 1,720 complaints

Consumer Adjustment Company Incorporated - Debt Collector Complaint Profile

CFPB complaint profile across 47 states, reputation grade D.

Complaints by issue type

What consumers report about Consumer Adjustment Company Incorporated

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record consumer-adjustment-company-incorporated Consumer Adjustment Company Incorporated

Grade D · 1,720 CFPB filings · 98% timely · lead issue: Attempts to collect debt not owed · vol #104 · compose #175

  • VOL 1,720
  • GRADE D
  • 12MO 370
  • STATES 47
  • TIMELY 98%
  • DISPUTE 13%
  • ISSUE Attempts to collect debt n…
  • RANK #104
  • COMPOSE #175

Volume peers

Nearest volume peer: Santander Consumer USA Holdings Inc. (1,725 complaints)

CURO Intermediate HoldingsCURO Intermediate Holdings1,693Professional Debt Mediation, Inc.Professional Debt Mediation,…1,707Consumer Adjustment Company Incorporated (this)Consumer Adjustment Company …1,720Santander Consumer USA Holdings Inc.Santander Consumer USA Holdi…1,725Iqor US IncIqor US Inc1,734
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Consumer Adjustment Company Incorporated's 1,720 CFPB complaints sit next to Santander Consumer USA Holdings Inc. 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 →

How the 1,720 complaints break down

Every complaint issue type on record for Consumer Adjustment Company Incorporated, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
54.3/100
Consumer Adjustment Company Incorporated

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
1,720
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
98%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
13%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

Texas is the plurality state for Consumer Adjustment Company Incorporated (22.1%)

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Plurality state
Texas 22.1%
Mid-band (15–30%) · 47 states with ≥1 filing
Seasonal peak
2025-10 9.5%
8–15% band · 66 filings
Corpus ranks
#104 volume
#175 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Consumer Adjustment Company Incorporated compare to its peers?

How does Consumer Adjustment Company Incorporated compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Consumer Adjustment Company Incorporated National average
Complaints (last 12 mo)lower is better
370
0
268
Timely-response ratehigher is better
98%
100%
91%
Consumer-dispute ratelower is better
13%
21%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Consumer Adjustment Company Incorporated a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 80%85%90%95%100%105% 0%10%20%30% Timely response rate (%) Dispute rate (%) Consumer Adjustment Company Incorporated vs. 9 similar-volume peers, by response speed and dispute rate Consumer Adjustment Company IncorporatedSantander Consumer USA Holdings Inc.Professional Debt Mediation, Inc.IQOR US INCCURO Intermediate HoldingsDynamic Recovery Solutions, LLCTekCollect Inc.Absolute Resolutions Corp.BTH ManagementCMRE Financial Services, Inc.
Source: CFPB Consumer Complaint Database

Consumer Adjustment Company Incorporated's complaint volume in context

Consumer Adjustment Company Incorporated vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

1,720 Top 2% higher than 98% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Consumer Adjustment Company Incorporated 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Stable →
2024-04 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
817
Written notification about debt
405
Took or threatened to take negative or legal action
218
False statements or representation
179
Communication tactics
45
Cont'd attempts collect debt not owed
16
Electronic communications
16
Disclosure verification of debt
10
Threatened to contact someone or share information improperly
8
Improper contact or sharing of info
6

Where do complaints against Consumer Adjustment Company Incorporated come from?

Consumer Adjustment Company Incorporated's own per-state count, not a national baseline.

Top states by complaints against Consumer Adjustment Company Incorporated

Across 47 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Consumer Adjustment Company Incorporated: 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: 1,720.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 98.33127317676144%.

4 peers

Know your rights before responding to Consumer Adjustment Company Incorporated: 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.