What is the most common complaint against Credit Concepts, Inc.?

The most common issue consumers report about Credit Concepts, Inc. is "Attempts to collect debt not owed", specifically "Attempted to collect wrong amount". This is based on 12 complaints filed with the CFPB.

Are complaints against Credit Concepts, Inc. increasing or decreasing?

Complaints against Credit Concepts, Inc. are falling. The company received 1 complaints in the last 12 months, showing improvement over prior periods.

What is Credit Concepts, Inc.'s reputation grade?

Credit Concepts, Inc. has a reputation grade of D (score: 54.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Credit Concepts, Inc. respond to consumer complaints?

Credit Concepts, Inc. has a 83% timely response rate to CFPB complaints.

In how many states does Credit Concepts, Inc. operate?

Credit Concepts, Inc. has received CFPB complaints from consumers in 5 states, with the most complaints from Washington (8 complaints).

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

Credit Concepts, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 5 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

3
Threatened to contact someone or share information improperly

3
Written notification about debt

2
Took or threatened to take negative or legal action

2
False statements or representation

2

Data updated September 2026

CFPB complaint disposition

CCDB record credit-concepts-inc Credit Concepts, Inc.

Grade D · 12 CFPB filings · 83% timely · lead issue: Attempts to collect debt not owed · vol #2306 · compose #3440

VOL 12
GRADE D
12MO 1
STATES 5
TIMELY 83%
ISSUE Attempts to collect debt n…
RANK #2,306
COMPOSE #3,440

Volume peers

Nearest volume peer: 1803 Capital, LLC (12 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Credit Concepts, Inc.'s 12 CFPB complaints sit next to 1803 Capital, LLC on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

66.7% of Credit Concepts, Inc.'s CFPB filings land in Washington

High volume does not equal a clean composite: Credit Concepts, Inc. is volume #2,306 but composite #3,440, while Washington dominates the geography. Corpus placement method.

Dominant state: Washington 66.7%; 8 of 12 filings · 5 states touched
Spike month: 2023-02 50.0%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #2,306 volume; #3,440 composite; Cleanest-composite ladder is 1,134 places worse than volume

How does Credit Concepts, Inc. compare to its peers?

How does CREDIT CONCEPTS, INC. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

CREDIT CONCEPTS, INC. National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

83%

73%

91%

Consumer-dispute ratelower is better

17%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-02 2025-02

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	3
Threatened to contact someone or share information improperly	3
Written notification about debt	2
Took or threatened to take negative or legal action	2
False statements or representation	2

Where do complaints against Credit Concepts, Inc. come from?

Credit Concepts, Inc.'s own per-state count, not a national baseline.

Washington

8
Arkansas

1
California

1
Georgia

1
Oregon

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Credit Concepts, Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 12.

4 peers

Know your rights before responding to Credit Concepts, Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

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.