Total CFPB complaints
465
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 465 complaints
Credit Card Receivables Fund Incorporated — Debt Collector Complaint Profile
CFPB complaint profile across 42 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Credit Card Receivables Fund Incorporated
- Attempts to collect debt not owed
Attempts to collect debt not owed
137 complaints
- Written notification about debt
Written notification about debt
74 complaints
- Took or threatened to take negative or legal action 40
Took or threatened to take negative or legal action
40 complaints
- False statements or representation 32
False statements or representation
32 complaints
- Disclosure verification of debt 21
Disclosure verification of debt
21 complaints
- Cont'd attempts collect debt not owed 15
Cont'd attempts collect debt not owed
15 complaints
D
Grade D · 53.1/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Credit Card Receivables Fund Incorporated?
Credit Card Receivables Fund Incorporated has accumulated 465 total CFPB complaints across 42 states, with 41 filed in the most recent 12 months against 424 historical complaints before that window. The trailing-12-month volume represents 8.8% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
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 95% timely-response rate against a 28% 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 42 states, led by California with 74 and Florida with 53, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 53.1/100 places Credit Card Receivables Fund Incorporated in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
41
8.8% of total history
Stable →
States active
42
Distinct state filings
Timely response rate
95%
Within CFPB SLA window
Consumer disputes
28%
After company response
Reputation grade
D
53.1/100 composite
Response-quality profile
How Credit Card Receivables Fund Incorporated performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 56.7%
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?
Credit Card Receivable… 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)
2024-03 2026-03
Top Consumer Issues
Attempts to collect debt not owed137 (%)
Written notification about debt74 (%)
False statements or representation32 (%)
Disclosure verification of debt21 (%)
Took or threatened to take negative or legal action40 (%)
Cont'd attempts collect debt not owed15 (%)
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 | 72 |
| Written notification about debt | Didn't receive enough information to verify debt | 46 |
| Attempts to collect debt not owed | Debt was result of identity theft | 37 |
| False statements or representation | Attempted to collect wrong amount | 32 |
| Attempts to collect debt not owed | Debt was paid | 28 |
| Written notification about debt | Didn't receive notice of right to dispute | 28 |
| Disclosure verification of debt | Not given enough info to verify debt | 21 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 21 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 19 |
| Cont'd attempts collect debt not owed | Debt was paid | 15 |
Where do complaints against Credit Card Receivables Fund Incorporated come from?
The states where consumers have filed the most CFPB complaints against Credit Card Receivables Fund Incorporated. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Credit Card Receivables Fund Incorporated
Across 42 states with at least one filing
- California
California
74 complaints
- Florida
Florida
53 complaints
- Georgia
Georgia
37 complaints
- Texas
Texas
35 complaints
- New York 28
New York
28 complaints
- Illinois 24
Illinois
24 complaints
- Ohio 19
Ohio
19 complaints
- Pennsylvania 18
Pennsylvania
18 complaints
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 465 complaints filed with the CFPB.
Are complaints against Credit Card Receivables Fund Incorporated increasing or decreasing? ▼
Complaints against Credit Card Receivables Fund Incorporated have been stable. The company received 41 complaints in the last 12 months.
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). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (74 complaints).
What can I do if Credit Card Receivables Fund Incorporated 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 Receivables Fund Incorporated 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 |