Total CFPB complaints
210
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 210 complaints
Palm Beach Credit Adjustors, Inc — 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 Palm Beach Credit Adjustors, Inc
- Attempts to collect debt not owed
Attempts to collect debt not owed
83 complaints
- Written notification about debt
Written notification about debt
43 complaints
- Cont'd attempts collect debt not owed 20
Cont'd attempts collect debt not owed
20 complaints
- Disclosure verification of debt 14
Disclosure verification of debt
14 complaints
- False statements or representation 14
False statements or representation
14 complaints
- Took or threatened to take negative or legal action 7
Took or threatened to take negative or legal action
7 complaints
F
Grade F · 49.2/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Palm Beach Credit Adjustors, Inc?
Palm Beach Credit Adjustors, Inc has accumulated 210 total CFPB complaints across 14 states, with 33 filed in the most recent 12 months against 177 historical complaints before that window. The trailing-12-month volume represents 15.7% 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 84% timely-response rate against a 36% 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 14 states, led by Florida with 189 and Arkansas 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 49.2/100 places Palm Beach Credit Adjustors, Inc 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
33
15.7% of total history
Rising ↑
States active
14
Distinct state filings
Timely response rate
84%
Within CFPB SLA window
Consumer disputes
36%
After company response
Reputation grade
F
49.2/100 composite
Response-quality profile
How Palm Beach Credit Adjustors, Inc performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 84.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 71.7%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 25.0%
Share of US states + territories with at least one filed complaint against this collector.
How does Palm Beach Credit Adjustors, Inc compare to its peers?
Palm Beach Credit Adju… 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)
2023-08 2026-02
Top Consumer Issues
Attempts to collect debt not owed83 (%)
Written notification about debt43 (%)
Cont'd attempts collect debt not owed20 (%)
Disclosure verification of debt14 (%)
False statements or representation14 (%)
Took or threatened to take negative or legal action7 (%)
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 | 36 |
| Attempts to collect debt not owed | Debt was result of identity theft | 34 |
| Written notification about debt | Didn't receive enough information to verify debt | 32 |
| Cont'd attempts collect debt not owed | Debt is not mine | 16 |
| Disclosure verification of debt | Not given enough info to verify debt | 14 |
| False statements or representation | Attempted to collect wrong amount | 14 |
| Attempts to collect debt not owed | Debt was paid | 13 |
| Written notification about debt | Didn't receive notice of right to dispute | 11 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 7 |
| Cont'd attempts collect debt not owed | Debt resulted from identity theft | 4 |
Where do complaints against Palm Beach Credit Adjustors, Inc come from?
The states where consumers have filed the most CFPB complaints against Palm Beach Credit Adjustors, Inc. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Palm Beach Credit Adjustors, Inc
Across 14 states with at least one filing
- Florida
Florida
189 complaints
- Arkansas 4
Arkansas
4 complaints
- Georgia 3
Georgia
3 complaints
- North Carolina 2
North Carolina
2 complaints
- Delaware 1
Delaware
1 complaints
- Nevada 1
Nevada
1 complaints
- New York 1
New York
1 complaints
- Oregon 1
Oregon
1 complaints
Frequently Asked Questions
What is the most common complaint against Palm Beach Credit Adjustors, Inc? ▼
The most common issue consumers report about Palm Beach Credit Adjustors, Inc is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 210 complaints filed with the CFPB.
Are complaints against Palm Beach Credit Adjustors, Inc increasing or decreasing? ▼
Complaints against Palm Beach Credit Adjustors, Inc are rising. The company received 33 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Palm Beach Credit Adjustors, Inc's reputation grade? ▼
Palm Beach Credit Adjustors, Inc has a reputation grade of F (score: 49.2/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does Palm Beach Credit Adjustors, Inc respond to consumer complaints? ▼
Palm Beach Credit Adjustors, Inc has a 84% timely response rate to CFPB complaints. Consumers disputed the company's response in 36% of cases.
In how many states does Palm Beach Credit Adjustors, Inc operate? ▼
Palm Beach Credit Adjustors, Inc has received CFPB complaints from consumers in 14 states, with the most complaints from Florida (189 complaints).
What can I do if Palm Beach Credit Adjustors, 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 Palm Beach Credit Adjustors, 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 |