Total CFPB complaints
216
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 216 complaints
Credit Central Holdings, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 16 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Credit Central Holdings, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
74 complaints
- Communication tactics
Communication tactics
34 complaints
- Took or threatened to take negative or legal action 23
Took or threatened to take negative or legal action
23 complaints
- Improper contact or sharing of info 19
Improper contact or sharing of info
19 complaints
- False statements or representation 15
False statements or representation
15 complaints
- Written notification about debt 8
Written notification about debt
8 complaints
C
Grade C · 60.0/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Credit Central Holdings, LLC?
Credit Central Holdings, LLC has accumulated 216 total CFPB complaints across 16 states, with 72 filed in the most recent 12 months against 144 historical complaints before that window. The trailing-12-month volume represents 33.3% 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 96% timely-response rate against a 8% 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 16 states, led by South Carolina with 73 and Alabama with 58, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 60.0/100 places Credit Central Holdings, 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
72
33.3% of total history
Rising ↑
States active
16
Distinct state filings
Timely response rate
96%
Within CFPB SLA window
Consumer disputes
8%
After company response
Reputation grade
C
60.0/100 composite
Response-quality profile
How Credit Central Holdings, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 95.8%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 16.4%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 28.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Credit Central Holdings, LLC compare to its peers?
Credit Central Holding… 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)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed74 (%)
Communication tactics34 (%)
Took or threatened to take negative or legal action23 (%)
False statements or representation15 (%)
Improper contact or sharing of info19 (%)
Written notification about debt8 (%)
Taking/threatening an illegal action6 (%)
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 | 50 |
| Communication tactics | Frequent or repeated calls | 27 |
| Attempts to collect debt not owed | Debt was result of identity theft | 24 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 23 |
| False statements or representation | Attempted to collect wrong amount | 15 |
| Improper contact or sharing of info | Talked to a third party about my debt | 10 |
| Improper contact or sharing of info | Contacted employer after asked not to | 9 |
| Written notification about debt | Didn't receive enough information to verify debt | 8 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 7 |
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 6 |
Where do complaints against Credit Central Holdings, LLC come from?
The states where consumers have filed the most CFPB complaints against Credit Central Holdings, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Credit Central Holdings, LLC
Across 16 states with at least one filing
- South Carolina
South Carolina
73 complaints
- Alabama
Alabama
58 complaints
- Tennessee 24
Tennessee
24 complaints
- Georgia 23
Georgia
23 complaints
- Texas 20
Texas
20 complaints
- North Carolina 5
North Carolina
5 complaints
- Missouri 2
Missouri
2 complaints
- Florida 2
Florida
2 complaints
Frequently Asked Questions
What is the most common complaint against Credit Central Holdings, LLC? ▼
The most common issue consumers report about Credit Central Holdings, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 216 complaints filed with the CFPB.
Are complaints against Credit Central Holdings, LLC increasing or decreasing? ▼
Complaints against Credit Central Holdings, LLC are rising. The company received 72 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Credit Central Holdings, LLC's reputation grade? ▼
Credit Central Holdings, LLC has a reputation grade of C (score: 60.0/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Credit Central Holdings, LLC respond to consumer complaints? ▼
Credit Central Holdings, LLC has a 96% timely response rate to CFPB complaints. Consumers disputed the company's response in 8% of cases.
In how many states does Credit Central Holdings, LLC operate? ▼
Credit Central Holdings, LLC has received CFPB complaints from consumers in 16 states, with the most complaints from South Carolina (73 complaints).
What can I do if Credit Central Holdings, 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 Central Holdings, 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 |