Total CFPB complaints
45
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 45 complaints
Grow Credit Inc — Debt Collector Complaint Profile
CFPB complaint profile across 17 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Grow Credit Inc
- Attempts to collect debt not owed
Attempts to collect debt not owed
19 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
11 complaints
- Written notification about debt 6
Written notification about debt
6 complaints
- False statements or representation 5
False statements or representation
5 complaints
- Electronic communications 2
Electronic communications
2 complaints
D
Grade D · 53.6/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Grow Credit Inc?
Grow Credit Inc has accumulated 45 total CFPB complaints across 17 states, with 24 filed in the most recent 12 months against 21 historical complaints before that window. The trailing-12-month volume represents 53.3% 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 "Took or threatened to take negative or legal action", narrowing to "Threatened or suggested your credit would be damaged", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 91% 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 17 states, led by Texas with 7 and Florida 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 53.6/100 places Grow Credit 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
24
53.3% of total history
Rising ↑
States active
17
Distinct state filings
Timely response rate
91%
Within CFPB SLA window
Reputation grade
D
53.6/100 composite
Response-quality profile
How Grow Credit Inc performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 91.1%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 30.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Grow Credit Inc compare to its peers?
Grow Credit 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)
2022-11 2026-01
Top Consumer Issues
Took or threatened to take negative or legal action11 (%)
Attempts to collect debt not owed19 (%)
Written notification about debt6 (%)
False statements or representation5 (%)
Electronic communications2 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
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 |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 11 |
| Attempts to collect debt not owed | Debt is not yours | 9 |
| Attempts to collect debt not owed | Debt was result of identity theft | 7 |
| Written notification about debt | Didn't receive enough information to verify debt | 4 |
| False statements or representation | Attempted to collect wrong amount | 4 |
| Attempts to collect debt not owed | Debt was paid | 3 |
| Written notification about debt | Didn't receive notice of right to dispute | 2 |
| Electronic communications | You told them to stop contacting you, but they keep trying | 1 |
| Electronic communications | Frequent or repeated messages | 1 |
| False statements or representation | Indicated you were committing crime by not paying debt | 1 |
Where do complaints against Grow Credit Inc come from?
The states where consumers have filed the most CFPB complaints against Grow Credit Inc. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Grow Credit Inc
Across 17 states with at least one filing
- Texas
Texas
7 complaints
- Florida
Florida
5 complaints
- North Carolina
North Carolina
5 complaints
- California
California
4 complaints
- Georgia
Georgia
4 complaints
- Illinois
Illinois
3 complaints
- Alabama
Alabama
3 complaints
- Louisiana 2
Louisiana
2 complaints
Frequently Asked Questions
What is the most common complaint against Grow Credit Inc? ▼
The most common issue consumers report about Grow Credit Inc is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 45 complaints filed with the CFPB.
Are complaints against Grow Credit Inc increasing or decreasing? ▼
Complaints against Grow Credit Inc are rising. The company received 24 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Grow Credit Inc's reputation grade? ▼
Grow Credit Inc has a reputation grade of D (score: 53.6/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Grow Credit Inc respond to consumer complaints? ▼
Grow Credit Inc has a 91% timely response rate to CFPB complaints.
In how many states does Grow Credit Inc operate? ▼
Grow Credit Inc has received CFPB complaints from consumers in 17 states, with the most complaints from Texas (7 complaints).
What can I do if Grow Credit 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 Grow Credit 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 |