Total CFPB complaints
69
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 69 complaints
Credit Clearing House of America, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 12 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Credit Clearing House of America, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
24 complaints
- Written notification about debt
Written notification about debt
17 complaints
- Disclosure verification of debt 7
Disclosure verification of debt
7 complaints
- Cont'd attempts collect debt not owed 5
Cont'd attempts collect debt not owed
5 complaints
- Communication tactics 3
Communication tactics
3 complaints
- Took or threatened to take negative or legal action 2
Took or threatened to take negative or legal action
2 complaints
D
Grade D · 54.3/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Credit Clearing House of America, Inc.?
Credit Clearing House of America, Inc. has accumulated 69 total CFPB complaints across 12 states, with 11 filed in the most recent 12 months against 58 historical complaints before that window. The trailing-12-month volume represents 15.9% 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 90% timely-response rate against a 38% 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 12 states, led by Kentucky with 48 and Indiana with 6, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 54.3/100 places Credit Clearing House of America, Inc. 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
11
15.9% of total history
Rising ↑
States active
12
Distinct state filings
Timely response rate
90%
Within CFPB SLA window
Consumer disputes
38%
After company response
Reputation grade
D
54.3/100 composite
Response-quality profile
How Credit Clearing House of America, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 89.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 75.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 21.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Credit Clearing House of America, Inc. compare to its peers?
Credit Clearing House … 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)
2020-11 2026-02
Top Consumer Issues
Written notification about debt17 (%)
Attempts to collect debt not owed24 (%)
Disclosure verification of debt7 (%)
Communication tactics3 (%)
Cont'd attempts collect debt not owed5 (%)
Took or threatened to take negative or legal action2 (%)
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 | 17 |
| Attempts to collect debt not owed | Debt is not yours | 12 |
| Attempts to collect debt not owed | Debt was paid | 6 |
| Attempts to collect debt not owed | Debt was result of identity theft | 6 |
| Disclosure verification of debt | Not given enough info to verify debt | 4 |
| Communication tactics | Frequent or repeated calls | 3 |
| Disclosure verification of debt | Right to dispute notice not received | 3 |
| Cont'd attempts collect debt not owed | Debt is not mine | 3 |
| Cont'd attempts collect debt not owed | Debt was paid | 2 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 2 |
Where do complaints against Credit Clearing House of America, Inc. come from?
The states where consumers have filed the most CFPB complaints against Credit Clearing House of America, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Credit Clearing House of America, Inc.
Across 12 states with at least one filing
- Kentucky
Kentucky
48 complaints
- Indiana 6
Indiana
6 complaints
- Ohio 3
Ohio
3 complaints
- Michigan 2
Michigan
2 complaints
- Missouri 2
Missouri
2 complaints
- Tennessee 2
Tennessee
2 complaints
- California 1
California
1 complaints
- Pennsylvania 1
Pennsylvania
1 complaints
Frequently Asked Questions
What is the most common complaint against Credit Clearing House of America, Inc.? ▼
The most common issue consumers report about Credit Clearing House of America, Inc. is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 69 complaints filed with the CFPB.
Are complaints against Credit Clearing House of America, Inc. increasing or decreasing? ▼
Complaints against Credit Clearing House of America, Inc. are rising. The company received 11 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Credit Clearing House of America, Inc.'s reputation grade? ▼
Credit Clearing House of America, Inc. has a reputation grade of D (score: 54.3/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Credit Clearing House of America, Inc. respond to consumer complaints? ▼
Credit Clearing House of America, Inc. has a 90% timely response rate to CFPB complaints. Consumers disputed the company's response in 38% of cases.
In how many states does Credit Clearing House of America, Inc. operate? ▼
Credit Clearing House of America, Inc. has received CFPB complaints from consumers in 12 states, with the most complaints from Kentucky (48 complaints).
What can I do if Credit Clearing House of America, Inc. 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 Clearing House of America, Inc. 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 |