What is the most common complaint against Consumer Adjustment Company Incorporated?

The most common issue consumers report about Consumer Adjustment Company Incorporated is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 1,720 complaints filed with the CFPB.

Are complaints against Consumer Adjustment Company Incorporated increasing or decreasing?

Complaints against Consumer Adjustment Company Incorporated have been stable. The company received 370 complaints in the last 12 months.

What is Consumer Adjustment Company Incorporated's reputation grade?

Consumer Adjustment Company Incorporated has a reputation grade of D (score: 54.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Consumer Adjustment Company Incorporated respond to consumer complaints?

Consumer Adjustment Company Incorporated has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 13% of cases.

In how many states does Consumer Adjustment Company Incorporated operate?

Consumer Adjustment Company Incorporated has received CFPB complaints from consumers in 47 states, with the most complaints from Texas (380 complaints).

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

Consumer Adjustment Company Incorporated - Debt Collector Complaint Profile

CFPB complaint profile across 47 states, reputation grade D.

Compiled by PlainCollector

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

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 #3484

VOL 1,720
GRADE D
12MO 370
STATES 47
TIMELY 98%
DISPUTE 13%
ISSUE Attempts to collect debt n…
RANK #104
COMPOSE #3,484

Volume peers

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

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 →

Filing geometry

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

Volume rank #104 and composite rank #3,484 diverge by 3,380 places on PlainCollector's CFPB-derived corpus maps. 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
Divergent corpus ranks: #104 volume; #3,484 composite; Cleanest-composite ladder is 3,380 places worse than volume

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 Co… National average

Complaints (last 12 mo)lower is better

370

268

Timely-response ratehigher is better

98%

100%

91%

Consumer-dispute ratelower is better

13%

21%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Texas

380
Florida

178
Georgia

175
California

155
Missouri

108
Illinois

87
South Carolina

73
Louisiana

53

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.