Total CFPB complaints
47
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 47 complaints
Credit Sage LLC — Debt Collector Complaint Profile
CFPB complaint profile across 26 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Credit Sage LLC
- Charged upfront or unexpected fees
Charged upfront or unexpected fees
20 complaints
- Didn't provide services promised
Didn't provide services promised
11 complaints
- Confusing or misleading advertising or marketing
Confusing or misleading advertising or marketing
10 complaints
- False statements or representation 3
False statements or representation
3 complaints
- Confusing or missing disclosures 3
Confusing or missing disclosures
3 complaints
D
Grade D · 56.5/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Credit Sage LLC?
Credit Sage LLC has accumulated 47 total CFPB complaints across 26 states, with 36 filed in the most recent 12 months against 11 historical complaints before that window. The trailing-12-month volume represents 76.6% 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 "Charged upfront or unexpected fees", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% 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 26 states, led by North Carolina with 5 and Texas with 5, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.5/100 places Credit Sage LLC 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
36
76.6% of total history
Rising ↑
States active
26
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
D
56.5/100 composite
Response-quality profile
How Credit Sage LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 46.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Credit Sage LLC compare to its peers?
Credit Sage LLC 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)
2024-02 2026-03
Top Consumer Issues
Charged upfront or unexpected fees20 (%)
Didn't provide services promised11 (%)
Confusing or misleading advertising or marketing10 (%)
False statements or representation3 (%)
Confusing or missing disclosures3 (%)
Most common issue: Charged upfront or unexpected fees
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 |
|---|---|---|
| Charged upfront or unexpected fees | — | 20 |
| Didn't provide services promised | — | 11 |
| Confusing or misleading advertising or marketing | — | 10 |
| False statements or representation | Attempted to collect wrong amount | 3 |
| Confusing or missing disclosures | — | 3 |
Where do complaints against Credit Sage LLC come from?
The states where consumers have filed the most CFPB complaints against Credit Sage LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Credit Sage LLC
Across 26 states with at least one filing
- North Carolina
North Carolina
5 complaints
- Texas
Texas
5 complaints
- Colorado
Colorado
3 complaints
- California
California
3 complaints
- Illinois
Illinois
3 complaints
- Virginia
Virginia
2 complaints
- Ohio
Ohio
2 complaints
- Oregon
Oregon
2 complaints
Frequently Asked Questions
What is the most common complaint against Credit Sage LLC? ▼
The most common issue consumers report about Credit Sage LLC is "Charged upfront or unexpected fees". This is based on 47 complaints filed with the CFPB.
Are complaints against Credit Sage LLC increasing or decreasing? ▼
Complaints against Credit Sage LLC are rising. The company received 36 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Credit Sage LLC's reputation grade? ▼
Credit Sage LLC has a reputation grade of D (score: 56.5/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Credit Sage LLC respond to consumer complaints? ▼
Credit Sage LLC has a 100% timely response rate to CFPB complaints.
In how many states does Credit Sage LLC operate? ▼
Credit Sage LLC has received CFPB complaints from consumers in 26 states, with the most complaints from North Carolina (5 complaints).
What can I do if Credit Sage 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 Sage 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 |