Total CFPB complaints
196
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 196 complaints
Credit Card Acquisitions Group — Debt Collector Complaint Profile
CFPB complaint profile across 36 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Credit Card Acquisitions Group
- Attempts to collect debt not owed
Attempts to collect debt not owed
60 complaints
- Written notification about debt
Written notification about debt
49 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
29 complaints
- False statements or representation 20
False statements or representation
20 complaints
- Communication tactics 12
Communication tactics
12 complaints
F
Grade F · 41.4/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Credit Card Acquisitions Group?
Credit Card Acquisitions Group has accumulated 196 total CFPB complaints across 36 states, with 85 filed in the most recent 12 months against 111 historical complaints before that window. The trailing-12-month volume represents 43.4% 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 is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 36% timely-response rate against a 0% 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 36 states, led by Texas with 43 and Florida with 20, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 41.4/100 places Credit Card Acquisitions Group in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
85
43.4% of total history
Rising ↑
States active
36
Distinct state filings
Timely response rate
36%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
F
41.4/100 composite
Response-quality profile
How Credit Card Acquisitions Group performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 35.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 64.3%
Share of US states + territories with at least one filed complaint against this collector.
How does Credit Card Acquisitions Group compare to its peers?
Credit Card Acquisitio… 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)
2023-11 2026-02
Top Consumer Issues
Attempts to collect debt not owed60 (%)
Written notification about debt49 (%)
Took or threatened to take negative or legal action29 (%)
False statements or representation20 (%)
Communication tactics12 (%)
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 | 41 |
| Written notification about debt | Didn't receive notice of right to dispute | 25 |
| Written notification about debt | Didn't receive enough information to verify debt | 24 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 22 |
| Attempts to collect debt not owed | Debt was result of identity theft | 19 |
| False statements or representation | Attempted to collect wrong amount | 14 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 7 |
| Communication tactics | Used obscene, profane, or other abusive language | 6 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 6 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 6 |
Where do complaints against Credit Card Acquisitions Group come from?
The states where consumers have filed the most CFPB complaints against Credit Card Acquisitions Group. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Credit Card Acquisitions Group
Across 36 states with at least one filing
- Texas
Texas
43 complaints
- Florida
Florida
20 complaints
- California
California
20 complaints
- Ohio 11
Ohio
11 complaints
- Pennsylvania 11
Pennsylvania
11 complaints
- North Carolina 7
North Carolina
7 complaints
- Georgia 7
Georgia
7 complaints
- New Mexico 5
New Mexico
5 complaints
Frequently Asked Questions
What is the most common complaint against Credit Card Acquisitions Group? ▼
The most common issue consumers report about Credit Card Acquisitions Group is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 196 complaints filed with the CFPB.
Are complaints against Credit Card Acquisitions Group increasing or decreasing? ▼
Complaints against Credit Card Acquisitions Group are rising. The company received 85 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Credit Card Acquisitions Group's reputation grade? ▼
Credit Card Acquisitions Group has a reputation grade of F (score: 41.4/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does Credit Card Acquisitions Group respond to consumer complaints? ▼
Credit Card Acquisitions Group has a 36% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does Credit Card Acquisitions Group operate? ▼
Credit Card Acquisitions Group has received CFPB complaints from consumers in 36 states, with the most complaints from Texas (43 complaints).
What can I do if Credit Card Acquisitions Group 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 Card Acquisitions Group 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 |