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

CFPB complaint data Grade F 214 complaints

Credit Card Acquisitions Group - Debt Collector Complaint Profile

CFPB complaint profile across 37 states, reputation grade F.

Complaints by issue type

What consumers report about Credit Card Acquisitions Group

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 41.4/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: Credit Card Acquisitions Group ranks ahead of 5% of the 5,283 collectors PlainCollector grades - 95% keep a cleaner CFPB record, on 214 all-time complaints and a 36% timely-response rate.

5th pct
reputation rank of 5,283 graded collectors
214
CFPB complaints, all-time
36%
answered inside the CFPB window
76
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Credit Card Acquisitions Group?

Credit Card Acquisitions Group has accumulated 214 total CFPB complaints across 37 states, with 76 filed in the most recent 12 months against 138 historical complaints before that window. The trailing-12-month volume represents 35.5% 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 is not yours". The company posts a 36% timely-response rate against a 0% consumer-dispute-after-response rate.

Complaints have been recorded across 37 states, led by Texas with 51 and California with 21. Normalized against the full CFPB collector database, the reputation score of 41.4/100 places Credit Card Acquisitions Group in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

214

mid-volume (CCDB)

Last 12 months

76

35.5% of all-time complaints

Rising ↑

States active

37

multi-region footprint

Timely response rate

36%

below sla band

Consumer disputes

0%

low (vertical avg ~19%)

Reputation grade

F

41.4/100 composite

How does Credit Card Acquisitions Group's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

41 Bottom 5% higher than 5% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). This entry sits in this band. 50–60: 1,469 graded collectors (28%). Above this entry. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Credit Card Acquisitions Group versus the debt-collection vertical average.

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 66.1%

Share of US states + territories with at least one filed complaint against this collector.

How does Credit Card Acquisitions Group compare to its peers?

How does Credit Card Acquisitions Group compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Credit Card Acquisitio… National average
Complaints (last 12 mo)lower is better
76
2
268
Timely-response ratehigher is better
36%
90%
91%
Consumer-dispute ratelower is better
0%
28%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2020-11 2022-11

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 71
Written notification about debt - 54
Took or threatened to take negative or legal action - 42
False statements or representation - 22
Communication tactics - 16
Threatened to contact someone or share information improperly - 7
Electronic communications - 1
Taking/threatening an illegal action - 1

Where do complaints against Credit Card Acquisitions Group come from?

Credit Card Acquisitions Group's own per-state count, not a national baseline.

Top states by complaints against Credit Card Acquisitions Group

Across 37 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Credit Card Acquisitions Group contacts you

A grade of F signals how Credit Card Acquisitions Group's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Credit Card Acquisitions Group and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Credit Card Acquisitions Group ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 214 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 76 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), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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 37 states, with the most complaints from Texas (51 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.