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

CFPB complaint data Grade C 119 complaints

Credigy USA Corp. - Debt Collector Complaint Profile

CFPB complaint profile across 34 states, reputation grade C.

Complaints by issue type

What consumers report about Credigy USA Corp.

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

Data updated September 2026

CFPB complaint disposition

CCDB record credigy-usa-corp Credigy USA Corp.

Grade C · 119 CFPB filings · 99% timely · lead issue: Cont'd attempts collect debt not owed

  • VOL 119
  • GRADE C
  • 12MO 0
  • STATES 34
  • TIMELY 99%
  • DISPUTE 18%
  • ISSUE Cont'd attempts collect de…
  • RANK #754
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: GVA Holdings, LLC (119 complaints)

GVA Holdings, LLCGVA Holdings, LLC119Credigy USA Corp. (this)Credigy USA Corp. (this)119Adir International LLCAdir International LLC120Credico. IncCredico. Inc120Texas GuaranteedTexas Guaranteed120
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Credigy USA Corp.'s 119 CFPB complaints sit next to GVA 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 →

How the 119 complaints break down

Every complaint issue type on record for Credigy USA Corp., not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
57.3/100
Credigy USA Corp.

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
119
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
99%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
18%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

California is the plurality state for Credigy USA Corp. (19.3%)

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

Plurality state
California 19.3%
Mid-band (15–30%) · 34 states with ≥1 filing
Seasonal peak
2026-01 11.1%
8–15% band · 3 filings
Corpus ranks
#754 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Credigy USA Corp. compare to its peers?

How does CREDIGY USA CORP. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
CREDIGY USA CORP. National average
Complaints (last 12 mo)lower is better
0
6
268
Timely-response ratehigher is better
99%
92%
91%
Consumer-dispute ratelower is better
18%
7%
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 Credigy USA Corp. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 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 (%) Credigy USA Corp. vs. 8 similar-volume peers, by response speed and dispute rate Credigy USA Corp.GVA Holdings, LLCTexas GuaranteedCREDICO. INCSouthern Credit Recovery, Inc.ADIR INTERNATIONAL LLCSeterus, Inc.C.Tech Collections, Inc.TMX Finance LLC
Source: CFPB Consumer Complaint Database

Credigy USA Corp.'s complaint volume in context

Credigy USA Corp. 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)

119 Top 14% higher than 86% 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%). This entry sits in this band. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Credigy USA Corp. 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)

Falling ↓
2016-05 2026-01

Issue Detail Breakdown

Issue Complaints
Cont'd attempts collect debt not owed
34
Disclosure verification of debt
30
False statements or representation
13
Taking/threatening an illegal action
10
Attempts to collect debt not owed
9
Took or threatened to take negative or legal action
8
Written notification about debt
7
Communication tactics
7
Improper contact or sharing of info
1

Where do complaints against Credigy USA Corp. come from?

Credigy USA Corp.'s own per-state count, not a national baseline.

Top states by complaints against Credigy USA Corp.

Across 34 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 Credigy USA Corp.: 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: 119.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.15966386554622%.

4 peers

Know your rights before responding to Credigy USA Corp.: 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.