Total CFPB complaints
1,618
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 1,618 complaints
Consumer Adjustment Company Incorporated — Debt Collector Complaint Profile
CFPB complaint profile across 47 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Consumer Adjustment Company Incorporated
- Attempts to collect debt not owed
Attempts to collect debt not owed
758 complaints
- Written notification about debt
Written notification about debt
391 complaints
- Took or threatened to take negative or legal action 175
Took or threatened to take negative or legal action
175 complaints
- False statements or representation 160
False statements or representation
160 complaints
- Communication tactics 25
Communication tactics
25 complaints
D
Grade D · 56.9/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Consumer Adjustment Company Incorporated?
Consumer Adjustment Company Incorporated has accumulated 1,618 total CFPB complaints across 47 states, with 365 filed in the most recent 12 months against 1,253 historical complaints before that window. The trailing-12-month volume represents 22.6% 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 13% 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 47 states, led by Texas with 339 and Georgia with 171, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.9/100 places Consumer Adjustment Company Incorporated 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
365
22.6% of total history
Falling ↓
States active
47
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Consumer disputes
13%
After company response
Reputation grade
D
56.9/100 composite
Response-quality profile
How Consumer Adjustment Company Incorporated performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 98.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 25.5%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 83.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Consumer Adjustment Company Incorporated compare to its peers?
Consumer Adjustment Co… 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 owed758 (%)
Written notification about debt391 (%)
Took or threatened to take negative or legal action175 (%)
False statements or representation160 (%)
Communication tactics25 (%)
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 | 466 |
| Attempts to collect debt not owed | Debt was result of identity theft | 238 |
| Written notification about debt | Didn't receive enough information to verify debt | 225 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 175 |
| Written notification about debt | Didn't receive notice of right to dispute | 153 |
| False statements or representation | Attempted to collect wrong amount | 149 |
| Attempts to collect debt not owed | Debt was paid | 54 |
| Communication tactics | Frequent or repeated calls | 25 |
| Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | 13 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 11 |
Where do complaints against Consumer Adjustment Company Incorporated come from?
The states where consumers have filed the most CFPB complaints against Consumer Adjustment Company Incorporated. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Consumer Adjustment Company Incorporated
Across 47 states with at least one filing
- Texas
Texas
339 complaints
- Georgia
Georgia
171 complaints
- Florida
Florida
171 complaints
- California
California
146 complaints
- Missouri 104
Missouri
104 complaints
- Illinois 82
Illinois
82 complaints
- South Carolina 65
South Carolina
65 complaints
- Louisiana 51
Louisiana
51 complaints
Frequently Asked Questions
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 1,618 complaints filed with the CFPB.
Are complaints against Consumer Adjustment Company Incorporated increasing or decreasing? ▼
Complaints against Consumer Adjustment Company Incorporated are falling. The company received 365 complaints in the last 12 months, showing improvement over prior periods.
What is Consumer Adjustment Company Incorporated's reputation grade? ▼
Consumer Adjustment Company Incorporated has a reputation grade of D (score: 56.9/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (339 complaints).
What can I do if Consumer Adjustment Company Incorporated 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 Consumer Adjustment Company Incorporated 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 |