Total CFPB complaints
25
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 25 complaints
Credits, Incorporated — 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 Credits, Incorporated
- Written notification about debt
Written notification about debt
14 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
7 complaints
- False statements or representation 2
False statements or representation
2 complaints
- Communication tactics 1
Communication tactics
1 complaints
- Took or threatened to take negative or legal action 1
Took or threatened to take negative or legal action
1 complaints
F
Grade F · 47.5/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Credits, Incorporated?
Credits, Incorporated has accumulated 25 total CFPB complaints across 5 states, with 12 filed in the most recent 12 months against 13 historical complaints before that window. The trailing-12-month volume represents 48.0% 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 100% timely-response rate against a 100% 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 5 states, led by Oregon with 17 and Washington with 4, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 47.5/100 places Credits, Incorporated in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
12
48.0% of total history
Rising ↑
States active
5
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
100%
After company response
Reputation grade
F
47.5/100 composite
Response-quality profile
How Credits, Incorporated 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.
Consumer dispute rate (post-response) 100.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 8.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Credits, Incorporated compare to its peers?
Credits, Incorporated 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)
2015-08 2026-03
Top Consumer Issues
Written notification about debt14 (%)
Attempts to collect debt not owed7 (%)
False statements or representation2 (%)
Communication tactics1 (%)
Took or threatened to take negative or legal action1 (%)
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 | 12 |
| Attempts to collect debt not owed | Debt was paid | 4 |
| Written notification about debt | Didn't receive notice of right to dispute | 2 |
| False statements or representation | Attempted to collect wrong amount | 2 |
| Attempts to collect debt not owed | Debt is not yours | 2 |
| Communication tactics | Frequent or repeated calls | 1 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1 |
Where do complaints against Credits, Incorporated come from?
The states where consumers have filed the most CFPB complaints against Credits, Incorporated. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Credits, Incorporated
Across 5 states with at least one filing
- Oregon
Oregon
17 complaints
- Washington 4
Washington
4 complaints
- Idaho 2
Idaho
2 complaints
- Kentucky 1
Kentucky
1 complaints
- Arizona 1
Arizona
1 complaints
Frequently Asked Questions
What is the most common complaint against Credits, Incorporated? ▼
The most common issue consumers report about Credits, Incorporated is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 25 complaints filed with the CFPB.
Are complaints against Credits, Incorporated increasing or decreasing? ▼
Complaints against Credits, Incorporated are rising. The company received 12 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Credits, Incorporated's reputation grade? ▼
Credits, Incorporated has a reputation grade of F (score: 47.5/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does Credits, Incorporated respond to consumer complaints? ▼
Credits, Incorporated has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 100% of cases.
In how many states does Credits, Incorporated operate? ▼
Credits, Incorporated has received CFPB complaints from consumers in 5 states, with the most complaints from Oregon (17 complaints).
What can I do if Credits, Incorporated 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 Credits, Incorporated 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 |