Total CFPB complaints
12
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 12 complaints
CREDIT CONCEPTS, INC. — Debt Collector Complaint Profile
CFPB complaint profile across 5 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about CREDIT CONCEPTS, INC.
- Threatened to contact someone or share information improperly
Threatened to contact someone or share information improperly
3 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
3 complaints
- False statements or representation
False statements or representation
2 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
2 complaints
- Written notification about debt
Written notification about debt
2 complaints
D
Grade D · 58.6/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about CREDIT CONCEPTS, INC.?
CREDIT CONCEPTS, INC. has accumulated 12 total CFPB complaints across 5 states, with 1 filed in the most recent 12 months against 11 historical complaints before that window. The trailing-12-month volume represents 8.3% 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 "False statements or representation", narrowing to "Attempted to collect wrong amount", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 83% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 5 states, led by Washington with 8 and Arkansas with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 58.6/100 places CREDIT CONCEPTS, 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
1
8.3% of total history
Rising ↑
States active
5
Distinct state filings
Timely response rate
83%
Within CFPB SLA window
Reputation grade
D
58.6/100 composite
Response-quality profile
How CREDIT CONCEPTS, INC. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 83.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 8.9%
Share of US states + territories with at least one filed complaint against this collector.
How does CREDIT CONCEPTS, INC. compare to its peers?
CREDIT CONCEPTS, INC. 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)
2017-08 2026-01
Top Consumer Issues
False statements or representation2 (%)
Threatened to contact someone or share information improperly3 (%)
Took or threatened to take negative or legal action2 (%)
Written notification about debt2 (%)
Attempts to collect debt not owed3 (%)
Most common issue: False statements or representation — Attempted to collect wrong amount
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 |
|---|---|---|
| False statements or representation | Attempted to collect wrong amount | 2 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 2 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
| Threatened to contact someone or share information improperly | Contacted your employer | 1 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
| Written notification about debt | Didn't receive notice of right to dispute | 1 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 1 |
| Attempts to collect debt not owed | Debt was paid | 1 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 1 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
Where do complaints against CREDIT CONCEPTS, INC. come from?
The states where consumers have filed the most CFPB complaints against CREDIT CONCEPTS, INC.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against CREDIT CONCEPTS, INC.
Across 5 states with at least one filing
- Washington
Washington
8 complaints
- Arkansas 1
Arkansas
1 complaints
- California 1
California
1 complaints
- Georgia 1
Georgia
1 complaints
- Oregon 1
Oregon
1 complaints
Frequently Asked Questions
What is the most common complaint against CREDIT CONCEPTS, INC.? ▼
The most common issue consumers report about CREDIT CONCEPTS, INC. is "False statements or representation", 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 rising. The company received 1 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is CREDIT CONCEPTS, INC.'s reputation grade? ▼
CREDIT CONCEPTS, INC. has a reputation grade of D (score: 58.6/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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).
What can I do if CREDIT CONCEPTS, 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 CONCEPTS, 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 |