Total CFPB complaints
21
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 21 complaints
Credova Holdings Inc — Debt Collector Complaint Profile
CFPB complaint profile across 11 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Credova Holdings Inc
- Attempts to collect debt not owed
Attempts to collect debt not owed
11 complaints
- False statements or representation 4
False statements or representation
4 complaints
- Took or threatened to take negative or legal action 3
Took or threatened to take negative or legal action
3 complaints
- Communication tactics 2
Communication tactics
2 complaints
- Threatened to contact someone or share information improperly 1
Threatened to contact someone or share information improperly
1 complaints
C
Grade C · 61.2/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Credova Holdings Inc?
Credova Holdings Inc has accumulated 21 total CFPB complaints across 11 states, with 4 filed in the most recent 12 months against 17 historical complaints before that window. The trailing-12-month volume represents 19.0% 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 "Attempts to collect debt not owed", narrowing to "Debt was result of identity theft", 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 11 states, led by Florida with 6 and Virginia with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 61.2/100 places Credova Holdings Inc in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
4
19.0% of total history
Rising ↑
States active
11
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
C
61.2/100 composite
Response-quality profile
How Credova Holdings Inc 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 19.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Credova Holdings Inc compare to its peers?
Credova Holdings 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)
2021-07 2026-03
Top Consumer Issues
Attempts to collect debt not owed11 (%)
False statements or representation4 (%)
Took or threatened to take negative or legal action3 (%)
Communication tactics2 (%)
Threatened to contact someone or share information improperly1 (%)
Most common issue: Attempts to collect debt not owed — Debt was result of identity theft
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt was result of identity theft | 6 |
| False statements or representation | Attempted to collect wrong amount | 4 |
| Attempts to collect debt not owed | Debt was paid | 3 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 2 |
| Attempts to collect debt not owed | Debt is not yours | 2 |
| Communication tactics | Frequent or repeated calls | 1 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 1 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 1 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 1 |
Where do complaints against Credova Holdings Inc come from?
The states where consumers have filed the most CFPB complaints against Credova Holdings Inc. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Credova Holdings Inc
Across 11 states with at least one filing
- Florida
Florida
6 complaints
- Virginia
Virginia
3 complaints
- Texas 2
Texas
2 complaints
- Hawaii 2
Hawaii
2 complaints
- Georgia 2
Georgia
2 complaints
- North Carolina 1
North Carolina
1 complaints
- Michigan 1
Michigan
1 complaints
- Ohio 1
Ohio
1 complaints
Frequently Asked Questions
What is the most common complaint against Credova Holdings Inc? ▼
The most common issue consumers report about Credova Holdings Inc is "Attempts to collect debt not owed", specifically "Debt was result of identity theft". This is based on 21 complaints filed with the CFPB.
Are complaints against Credova Holdings Inc increasing or decreasing? ▼
Complaints against Credova Holdings Inc are rising. The company received 4 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Credova Holdings Inc's reputation grade? ▼
Credova Holdings Inc has a reputation grade of C (score: 61.2/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Credova Holdings Inc respond to consumer complaints? ▼
Credova Holdings Inc has a 100% timely response rate to CFPB complaints.
In how many states does Credova Holdings Inc operate? ▼
Credova Holdings Inc has received CFPB complaints from consumers in 11 states, with the most complaints from Florida (6 complaints).
What can I do if Credova Holdings 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 Credova Holdings 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 |