Total CFPB complaints
73
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 73 complaints
Credit Center, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 15 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Credit Center, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
23 complaints
- Written notification about debt
Written notification about debt
21 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
10 complaints
- False statements or representation 8
False statements or representation
8 complaints
- Cont'd attempts collect debt not owed 6
Cont'd attempts collect debt not owed
6 complaints
- Disclosure verification of debt 3
Disclosure verification of debt
3 complaints
C
Grade C · 62.8/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Credit Center, LLC?
Credit Center, LLC has accumulated 73 total CFPB complaints across 15 states, with 12 filed in the most recent 12 months against 61 historical complaints before that window. The trailing-12-month volume represents 16.4% 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 "Written notification about debt", narrowing to "Didn't receive enough information to verify debt", 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 9% 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 15 states, led by Connecticut with 36 and New York with 11, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 62.8/100 places Credit Center, LLC 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
12
16.4% of total history
Rising ↑
States active
15
Distinct state filings
Timely response rate
95%
Within CFPB SLA window
Consumer disputes
9%
After company response
Reputation grade
C
62.8/100 composite
Response-quality profile
How Credit Center, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 94.5%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 18.2%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 26.8%
Share of US states + territories with at least one filed complaint against this collector.
How does Credit Center, LLC compare to its peers?
Credit Center, LLC 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)
2021-09 2026-03
Top Consumer Issues
Written notification about debt21 (%)
Attempts to collect debt not owed23 (%)
Took or threatened to take negative or legal action10 (%)
False statements or representation8 (%)
Cont'd attempts collect debt not owed6 (%)
Disclosure verification of debt3 (%)
Most common issue: Written notification about debt — Didn't receive enough information to verify debt
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 |
|---|---|---|
| Written notification about debt | Didn't receive enough information to verify debt | 16 |
| Attempts to collect debt not owed | Debt was paid | 11 |
| Attempts to collect debt not owed | Debt is not yours | 10 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 10 |
| False statements or representation | Attempted to collect wrong amount | 8 |
| Written notification about debt | Didn't receive notice of right to dispute | 5 |
| Cont'd attempts collect debt not owed | Debt was paid | 3 |
| Cont'd attempts collect debt not owed | Debt is not mine | 3 |
| Disclosure verification of debt | Not given enough info to verify debt | 3 |
| Attempts to collect debt not owed | Debt was result of identity theft | 2 |
Where do complaints against Credit Center, LLC come from?
The states where consumers have filed the most CFPB complaints against Credit Center, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Credit Center, LLC
Across 15 states with at least one filing
- Connecticut
Connecticut
36 complaints
- New York 11
New York
11 complaints
- Texas 5
Texas
5 complaints
- Florida 4
Florida
4 complaints
- Arizona 4
Arizona
4 complaints
- New Jersey 3
New Jersey
3 complaints
- California 2
California
2 complaints
- Georgia 1
Georgia
1 complaints
Frequently Asked Questions
What is the most common complaint against Credit Center, LLC? ▼
The most common issue consumers report about Credit Center, LLC is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 73 complaints filed with the CFPB.
Are complaints against Credit Center, LLC increasing or decreasing? ▼
Complaints against Credit Center, LLC are rising. The company received 12 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Credit Center, LLC's reputation grade? ▼
Credit Center, LLC has a reputation grade of C (score: 62.8/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Credit Center, LLC respond to consumer complaints? ▼
Credit Center, LLC has a 95% timely response rate to CFPB complaints. Consumers disputed the company's response in 9% of cases.
In how many states does Credit Center, LLC operate? ▼
Credit Center, LLC has received CFPB complaints from consumers in 15 states, with the most complaints from Connecticut (36 complaints).
What can I do if Credit Center, LLC 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 Center, LLC 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 |