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

CFPB complaint data Grade D 467 complaints

Credit Card Receivables Fund Incorporated - Debt Collector Complaint Profile

CFPB complaint profile across 42 states, reputation grade D.

Complaints by issue type

What consumers report about Credit Card Receivables Fund Incorporated

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 53.1/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

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

The verdict

A reputation grade of D: Credit Card Receivables Fund Incorporated ranks ahead of 21% of the 5,283 collectors PlainCollector grades - 79% keep a cleaner CFPB record, on 467 all-time complaints and a 95% timely-response rate.

21st pct
reputation rank of 5,283 graded collectors
467
CFPB complaints, all-time
95%
answered inside the CFPB window
31
in the last 12 months (falling)

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 Receivables Fund Incorporated?

Credit Card Receivables Fund Incorporated has accumulated 467 total CFPB complaints across 42 states, with 31 filed in the most recent 12 months against 436 historical complaints before that window. The trailing-12-month volume represents 6.6% 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". The company posts a 95% timely-response rate against a 28% consumer-dispute-after-response rate.

Complaints have been recorded across 42 states, led by California with 73 and Florida with 53. Normalized against the full CFPB collector database, the reputation score of 53.1/100 places Credit Card Receivables Fund Incorporated in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

467

mid-volume (CCDB)

Last 12 months

31

6.6% of all-time complaints

Falling ↓

States active

42

multi-region footprint

Timely response rate

95%

good band

Consumer disputes

28%

elevated (vertical avg ~19%)

Reputation grade

D

53.1/100 composite

How does Credit Card Receivables Fund Incorporated's reputation rank nationally?

Reputation score vs. every graded collector

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

53 Bottom 21% higher than 21% 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%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 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 Receivables Fund Incorporated versus the debt-collection vertical average.

Timely response within SLA 94.6%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 28.3%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 75.0%

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

How does Credit Card Receivables Fund Incorporated compare to its peers?

How does Credit Card Receivables Fund Incorporated compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Credit Card Receivable… National average
Complaints (last 12 mo)lower is better
31
12
268
Timely-response ratehigher is better
95%
46%
91%
Consumer-dispute ratelower is better
28%
40%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 147
Took or threatened to take negative or legal action - 76
Written notification about debt - 75
False statements or representation - 42
Cont'd attempts collect debt not owed - 36
Disclosure verification of debt - 35
Taking/threatening an illegal action - 32
Communication tactics - 17
Threatened to contact someone or share information improperly - 4
Improper contact or sharing of info - 3

Where do complaints against Credit Card Receivables Fund Incorporated come from?

Credit Card Receivables Fund Incorporated's own per-state count, not a national baseline.

Top states by complaints against Credit Card Receivables Fund Incorporated

Across 42 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Credit Card Receivables Fund Incorporated contacts you

A grade of D signals how Credit Card Receivables Fund Incorporated'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 Receivables Fund Incorporated 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 Receivables Fund Incorporated 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 Receivables Fund Incorporated? ▼

The most common issue consumers report about Credit Card Receivables Fund Incorporated is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 467 complaints filed with the CFPB.

Are complaints against Credit Card Receivables Fund Incorporated increasing or decreasing? ▼

Complaints against Credit Card Receivables Fund Incorporated are falling. The company received 31 complaints in the last 12 months, showing improvement over prior periods.

What is Credit Card Receivables Fund Incorporated's reputation grade? ▼

Credit Card Receivables Fund Incorporated has a reputation grade of D (score: 53.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Credit Card Receivables Fund Incorporated respond to consumer complaints? ▼

Credit Card Receivables Fund Incorporated has a 95% timely response rate to CFPB complaints. Consumers disputed the company's response in 28% of cases.

In how many states does Credit Card Receivables Fund Incorporated operate? ▼

Credit Card Receivables Fund Incorporated has received CFPB complaints from consumers in 42 states, with the most complaints from California (73 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.