Total CFPB complaints
65
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 65 complaints
MOUNTAIN AMERICA FEDERAL CREDIT UNION — Debt Collector Complaint Profile
CFPB complaint profile across 14 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about MOUNTAIN AMERICA FEDERAL CREDIT UNION
- Attempts to collect debt not owed
Attempts to collect debt not owed
25 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
12 complaints
- Written notification about debt
Written notification about debt
11 complaints
- False statements or representation 7
False statements or representation
7 complaints
- Communication tactics 2
Communication tactics
2 complaints
D
Grade D · 55.0/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about MOUNTAIN AMERICA FEDERAL CREDIT UNION?
MOUNTAIN AMERICA FEDERAL CREDIT UNION has accumulated 65 total CFPB complaints across 14 states, with 26 filed in the most recent 12 months against 39 historical complaints before that window. The trailing-12-month volume represents 40.0% 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 is not yours", 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 14 states, led by Utah with 26 and Arizona with 13, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 55.0/100 places MOUNTAIN AMERICA FEDERAL CREDIT UNION 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
26
40.0% of total history
Rising ↑
States active
14
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
D
55.0/100 composite
Response-quality profile
How MOUNTAIN AMERICA FEDERAL CREDIT UNION 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 25.0%
Share of US states + territories with at least one filed complaint against this collector.
How does MOUNTAIN AMERICA FEDERAL CREDIT UNION compare to its peers?
MOUNTAIN AMERICA FEDER… 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
Attempts to collect debt not owed25 (%)
Took or threatened to take negative or legal action12 (%)
False statements or representation7 (%)
Written notification about debt11 (%)
Communication tactics2 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 is not yours | 10 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 10 |
| Attempts to collect debt not owed | Debt was result of identity theft | 7 |
| False statements or representation | Attempted to collect wrong amount | 7 |
| Attempts to collect debt not owed | Debt was paid | 6 |
| Written notification about debt | Didn't receive notice of right to dispute | 6 |
| Written notification about debt | Didn't receive enough information to verify debt | 5 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 2 |
| Communication tactics | Frequent or repeated calls | 2 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 2 |
Where do complaints against MOUNTAIN AMERICA FEDERAL CREDIT UNION come from?
The states where consumers have filed the most CFPB complaints against MOUNTAIN AMERICA FEDERAL CREDIT UNION. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against MOUNTAIN AMERICA FEDERAL CREDIT UNION
Across 14 states with at least one filing
- Utah
Utah
26 complaints
- Arizona
Arizona
13 complaints
- Nevada 5
Nevada
5 complaints
- Florida 5
Florida
5 complaints
- Texas 4
Texas
4 complaints
- New Mexico 3
New Mexico
3 complaints
- California 2
California
2 complaints
- Colorado 1
Colorado
1 complaints
Frequently Asked Questions
What is the most common complaint against MOUNTAIN AMERICA FEDERAL CREDIT UNION? ▼
The most common issue consumers report about MOUNTAIN AMERICA FEDERAL CREDIT UNION is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 65 complaints filed with the CFPB.
Are complaints against MOUNTAIN AMERICA FEDERAL CREDIT UNION increasing or decreasing? ▼
Complaints against MOUNTAIN AMERICA FEDERAL CREDIT UNION are rising. The company received 26 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is MOUNTAIN AMERICA FEDERAL CREDIT UNION's reputation grade? ▼
MOUNTAIN AMERICA FEDERAL CREDIT UNION has a reputation grade of D (score: 55.0/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does MOUNTAIN AMERICA FEDERAL CREDIT UNION respond to consumer complaints? ▼
MOUNTAIN AMERICA FEDERAL CREDIT UNION has a 100% timely response rate to CFPB complaints.
In how many states does MOUNTAIN AMERICA FEDERAL CREDIT UNION operate? ▼
MOUNTAIN AMERICA FEDERAL CREDIT UNION has received CFPB complaints from consumers in 14 states, with the most complaints from Utah (26 complaints).
What can I do if MOUNTAIN AMERICA FEDERAL CREDIT UNION 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 MOUNTAIN AMERICA FEDERAL CREDIT UNION 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 |