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

CFPB complaint data Grade D 980 complaints

Credit Protection Association, L.P. - Debt Collector Complaint Profile

CFPB complaint profile across 50 states, reputation grade D.

Complaints by issue type

What consumers report about Credit Protection Association, L.P.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record credit-protection-association-lp Credit Protection Association, L.P.

Grade D · 980 CFPB filings · 91% timely · lead issue: Cont'd attempts collect debt not owed · vol #157 · compose #275

  • VOL 980
  • GRADE D
  • 12MO 0
  • STATES 50
  • TIMELY 91%
  • DISPUTE 8%
  • ISSUE Cont'd attempts collect de…
  • RANK #157
  • COMPOSE #275

Volume peers

Nearest volume peer: First Federal Credit Control, Inc. (974 complaints)

AES/PheaaAES/Pheaa973First Federal Credit Control, Inc.First Federal Credit Control…974Credit Protection Association, L.P. (this)Credit Protection Associatio…980Unifin Inc.Unifin Inc.988Pinnacle Credit Services, LLCPinnacle Credit Services, LLC990
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Credit Protection Association, L.P.'s 980 CFPB complaints sit next to First Federal Credit Control, Inc. 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 →

How the 980 complaints break down

Every complaint issue type on record for Credit Protection Association, L.P., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
52.8/100
Credit Protection Association, L.P.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
980
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
91%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
8%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

Florida is the plurality state for Credit Protection Association, L.P. (23.9%)

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Plurality state
Florida 23.9%
Mid-band (15–30%) · 50 states with ≥1 filing
Seasonal peak
2025-01 9.2%
8–15% band · 24 filings
Corpus ranks
#157 volume
#275 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Credit Protection Association, L.P. compare to its peers?

How does Credit Protection Association, L.P. 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 Protection Association, L.P. National average
Complaints (last 12 mo)lower is better
0
157
268
Timely-response ratehigher is better
91%
100%
91%
Consumer-dispute ratelower is better
8%
20%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Credit Protection Association, L.P. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 90%92%94%96%98%100%102% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Credit Protection Association, L.P. vs. 10 similar-volume peers, by response speed and dispute rate Credit Protection Association, L.P.First Federal Credit Control, Inc.AES/PHEAAUnifin Inc.Pinnacle Credit Services, LLCAlliance One, Inc.American Coradius International LLCKimball, Tirey & St. John LLPParamount Recovery Systems, L.P.Adler Wallach & Associates, Inc.Pressler & Pressler, LLP
Source: CFPB Consumer Complaint Database

Credit Protection Association, L.P.'s complaint volume in context

Credit Protection Association, L.P. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

980 Top 3% higher than 97% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Credit Protection Association, L.P. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2024-04 2026-03

Issue Detail Breakdown

Issue Complaints
Cont'd attempts collect debt not owed
366
Attempts to collect debt not owed
196
Disclosure verification of debt
120
Communication tactics
91
Written notification about debt
83
False statements or representation
67
Took or threatened to take negative or legal action
27
Improper contact or sharing of info
22
Threatened to contact someone or share information improperly
5
Taking/threatening an illegal action
3

Where do complaints against Credit Protection Association, L.P. come from?

Credit Protection Association, L.P.'s own per-state count, not a national baseline.

Top states by complaints against Credit Protection Association, L.P.

Across 50 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Credit Protection Association, L.P.: 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: 980.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 91.3265306122449%.

4 peers

Know your rights before responding to Credit Protection Association, L.P.: 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.