This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade F 215 complaints

Palm Beach Credit Adjustors, Inc - Debt Collector Complaint Profile

CFPB complaint profile across 14 states, reputation grade F.

Complaints by issue type

What consumers report about Palm Beach Credit Adjustors, Inc

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 49.2/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: Palm Beach Credit Adjustors, Inc ranks ahead of 13% of the 5,283 collectors PlainCollector grades - 87% keep a cleaner CFPB record, on 215 all-time complaints and a 84% timely-response rate.

13th pct
reputation rank of 5,283 graded collectors
215
CFPB complaints, all-time
84%
answered inside the CFPB window
32
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Palm Beach Credit Adjustors, Inc?

Palm Beach Credit Adjustors, Inc has accumulated 215 total CFPB complaints across 14 states, with 32 filed in the most recent 12 months against 183 historical complaints before that window. The trailing-12-month volume represents 14.9% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 84% timely-response rate against a 36% consumer-dispute-after-response rate.

Complaints have been recorded across 14 states, led by Florida with 195 and Arkansas with 4. Normalized against the full CFPB collector database, the reputation score of 49.2/100 places Palm Beach Credit Adjustors, Inc in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

215

mid-volume (CCDB)

Last 12 months

32

14.9% of all-time complaints

Falling ↓

States active

14

regional footprint

Timely response rate

84%

acceptable band

Consumer disputes

36%

high (vertical avg ~19%)

Reputation grade

F

49.2/100 composite

How does Palm Beach Credit Adjustors, Inc's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

49 Bottom 13% higher than 13% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). This entry sits in this band. 50–60: 1,469 graded collectors (28%). Above this entry. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Palm Beach Credit Adjustors, Inc versus the debt-collection vertical average.

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) 35.8%
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?

How does Palm Beach Credit Adjustors, Inc compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Palm Beach Credit Adju… National average
Complaints (last 12 mo)lower is better
32
42
268
Timely-response ratehigher is better
84%
97%
91%
Consumer-dispute ratelower is better
36%
7%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-06 2026-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 87
Written notification about debt - 45
Cont'd attempts collect debt not owed - 24
False statements or representation - 18
Disclosure verification of debt - 18
Communication tactics - 10
Took or threatened to take negative or legal action - 8
Improper contact or sharing of info - 4
Taking/threatening an illegal action - 1

Where do complaints against Palm Beach Credit Adjustors, Inc come from?

Palm Beach Credit Adjustors, Inc's own per-state count, not a national baseline.

Top states by complaints against Palm Beach Credit Adjustors, Inc

Across 14 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Palm Beach Credit Adjustors, Inc contacts you

A grade of F signals how Palm Beach Credit Adjustors, Inc's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Palm Beach Credit Adjustors, Inc and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Palm Beach Credit Adjustors, Inc ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 215 complaints filed with the CFPB.

Are complaints against Palm Beach Credit Adjustors, Inc increasing or decreasing? ▼

Complaints against Palm Beach Credit Adjustors, Inc are falling. The company received 32 complaints in the last 12 months, showing improvement over prior periods.

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), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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 (195 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.