What is the most common complaint against Pentagon Federal Credit Union?

The most common issue consumers report about Pentagon Federal Credit Union is "Attempts to collect debt not owed", specifically "Threatened or suggested your credit would be damaged". This is based on 476 complaints filed with the CFPB.

Are complaints against Pentagon Federal Credit Union increasing or decreasing?

Complaints against Pentagon Federal Credit Union are rising. The company received 166 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Pentagon Federal Credit Union's reputation grade?

Pentagon Federal Credit Union has a reputation grade of D (score: 55.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Pentagon Federal Credit Union respond to consumer complaints?

Pentagon Federal Credit Union has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 17% of cases.

In how many states does Pentagon Federal Credit Union operate?

Pentagon Federal Credit Union has received CFPB complaints from consumers in 45 states, with the most complaints from Texas (64 complaints).

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

Pentagon Federal Credit Union - Debt Collector Complaint Profile

CFPB complaint profile across 45 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

200
Took or threatened to take negative or legal action

121
Written notification about debt

56
False statements or representation

45
Communication tactics

21
Threatened to contact someone or share information improperly

10

Data updated September 2026

CFPB complaint disposition

CCDB record pentagon-federal-credit-union Pentagon Federal Credit Union

Grade D · 476 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #283 · compose #3289

VOL 476
GRADE D
12MO 166
STATES 45
TIMELY 100%
DISPUTE 17%
ISSUE Attempts to collect debt n…
RANK #283
COMPOSE #3,289

Volume peers

Nearest volume peer: Klarna AB (475 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Pentagon Federal Credit Union's 476 CFPB complaints sit next to Klarna AB on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Distributed filing map

Pentagon Federal Credit Union spreads filings across 45 states - Texas leads at only 13.4%

Despite a broad state map, Pentagon Federal Credit Union still sits volume #283 against composite #3,289 - the two RankMaps diverge by 3,006 places. Corpus placement method.

Most-even geography: Lead state under 15%; Texas still leads at 13.4% across 45 states
Seasonal peak: 2025-12 9.5%; 8–15% band · 22 filings
Divergent corpus ranks: #283 volume; #3,289 composite; Cleanest-composite ladder is 3,006 places worse than volume

How does Pentagon Federal Credit Union compare to its peers?

How does PENTAGON FEDERAL CREDIT UNION compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

PENTAGON FEDERAL CREDI… National average

Complaints (last 12 mo)lower is better

166

310

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

17%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	200
Took or threatened to take negative or legal action	121
Written notification about debt	56
False statements or representation	45
Communication tactics	21
Threatened to contact someone or share information improperly	10
Cont'd attempts collect debt not owed	8
Disclosure verification of debt	8
Electronic communications	4
Improper contact or sharing of info	2

Where do complaints against Pentagon Federal Credit Union come from?

Pentagon Federal Credit Union's own per-state count, not a national baseline.

Texas

64
Georgia

49
Florida

48
California

42
New York

36
Illinois

23
Maryland

22
Virginia

20

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Pentagon Federal Credit Union: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 476.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.53703703703704%.

4 peers

Know your rights before responding to Pentagon Federal Credit Union: FDCPA rights guide · debt validation letter · rights library.

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

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

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.