Total CFPB complaints
19
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 19 complaints
Credit Associates, Inc. (MO) — Debt Collector Complaint Profile
CFPB complaint profile across 4 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Credit Associates, Inc. (MO)
- Attempts to collect debt not owed
Attempts to collect debt not owed
6 complaints
- Written notification about debt
Written notification about debt
3 complaints
- Communication tactics 2
Communication tactics
2 complaints
- Took or threatened to take negative or legal action 2
Took or threatened to take negative or legal action
2 complaints
- Disclosure verification of debt 1
Disclosure verification of debt
1 complaints
- Taking/threatening an illegal action 1
Taking/threatening an illegal action
1 complaints
C
Grade C · 63.5/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Credit Associates, Inc. (MO)?
Credit Associates, Inc. (MO) has accumulated 19 total CFPB complaints across 4 states, with 2 filed in the most recent 12 months against 17 historical complaints before that window. The trailing-12-month volume represents 10.5% 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 was paid", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 84% timely-response rate against a 20% 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 4 states, led by Montana with 15 and California with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 63.5/100 places Credit Associates, Inc. (MO) 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
2
10.5% of total history
Rising ↑
States active
4
Distinct state filings
Timely response rate
84%
Within CFPB SLA window
Consumer disputes
20%
After company response
Reputation grade
C
63.5/100 composite
Response-quality profile
How Credit Associates, Inc. (MO) performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 84.2%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 40.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 7.1%
Share of US states + territories with at least one filed complaint against this collector.
How does Credit Associates, Inc. (MO) compare to its peers?
Credit Associates, Inc… 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)
2015-10 2026-01
Top Consumer Issues
Attempts to collect debt not owed6 (%)
Written notification about debt3 (%)
Disclosure verification of debt1 (%)
Communication tactics2 (%)
Taking/threatening an illegal action1 (%)
Took or threatened to take negative or legal action2 (%)
Cont'd attempts collect debt not owed1 (%)
Most common issue: Attempts to collect debt not owed — Debt was paid
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 was paid | 3 |
| Attempts to collect debt not owed | Debt is not yours | 3 |
| Written notification about debt | Didn't receive enough information to verify debt | 3 |
| Disclosure verification of debt | Not given enough info to verify debt | 1 |
| Communication tactics | Frequent or repeated calls | 1 |
| Taking/threatening an illegal action | Seized/Attempted to seize property | 1 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
| Communication tactics | Called before 8am or after 9pm | 1 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 1 |
| Cont'd attempts collect debt not owed | Debt was paid | 1 |
Where do complaints against Credit Associates, Inc. (MO) come from?
The states where consumers have filed the most CFPB complaints against Credit Associates, Inc. (MO). Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Credit Associates, Inc. (MO)
Across 4 states with at least one filing
- Montana
Montana
15 complaints
- California 2
California
2 complaints
- Oklahoma 1
Oklahoma
1 complaints
- Washington 1
Washington
1 complaints
Frequently Asked Questions
What is the most common complaint against Credit Associates, Inc. (MO)? ▼
The most common issue consumers report about Credit Associates, Inc. (MO) is "Attempts to collect debt not owed", specifically "Debt was paid". This is based on 19 complaints filed with the CFPB.
Are complaints against Credit Associates, Inc. (MO) increasing or decreasing? ▼
Complaints against Credit Associates, Inc. (MO) are rising. The company received 2 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Credit Associates, Inc. (MO)'s reputation grade? ▼
Credit Associates, Inc. (MO) has a reputation grade of C (score: 63.5/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Credit Associates, Inc. (MO) respond to consumer complaints? ▼
Credit Associates, Inc. (MO) has a 84% timely response rate to CFPB complaints. Consumers disputed the company's response in 20% of cases.
In how many states does Credit Associates, Inc. (MO) operate? ▼
Credit Associates, Inc. (MO) has received CFPB complaints from consumers in 4 states, with the most complaints from Montana (15 complaints).
What can I do if Credit Associates, Inc. (MO) 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 Credit Associates, Inc. (MO) 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 |