Total CFPB complaints
432
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 432 complaints
PENTAGON FEDERAL CREDIT UNION — Debt Collector Complaint Profile
CFPB complaint profile across 46 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about PENTAGON FEDERAL CREDIT UNION
- Attempts to collect debt not owed
Attempts to collect debt not owed
181 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
86 complaints
- Written notification about debt 44
Written notification about debt
44 complaints
- False statements or representation 37
False statements or representation
37 complaints
- Communication tactics 11
Communication tactics
11 complaints
D
Grade D · 57.7/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about PENTAGON FEDERAL CREDIT UNION?
PENTAGON FEDERAL CREDIT UNION has accumulated 432 total CFPB complaints across 46 states, with 137 filed in the most recent 12 months against 295 historical complaints before that window. The trailing-12-month volume represents 31.7% 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 "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 100% timely-response rate against a 17% 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 46 states, led by Texas with 54 and Florida with 44, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.7/100 places PENTAGON 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
137
31.7% of total history
Rising ↑
States active
46
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
17%
After company response
Reputation grade
D
57.7/100 composite
Response-quality profile
How PENTAGON 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 99.5%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 34.8%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 82.1%
Share of US states + territories with at least one filed complaint against this collector.
How does PENTAGON FEDERAL CREDIT UNION compare to its peers?
PENTAGON FEDERAL CREDI… 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)
2024-04 2026-03
Top Consumer Issues
Took or threatened to take negative or legal action86 (%)
Attempts to collect debt not owed181 (%)
False statements or representation37 (%)
Written notification about debt44 (%)
Communication tactics11 (%)
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 | 71 |
| Attempts to collect debt not owed | Debt was result of identity theft | 68 |
| Attempts to collect debt not owed | Debt is not yours | 62 |
| False statements or representation | Attempted to collect wrong amount | 37 |
| Attempts to collect debt not owed | Debt was paid | 33 |
| Written notification about debt | Didn't receive enough information to verify debt | 27 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 18 |
| Written notification about debt | Didn't receive notice of right to dispute | 17 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 15 |
| Communication tactics | Frequent or repeated calls | 11 |
Where do complaints against PENTAGON FEDERAL CREDIT UNION come from?
The states where consumers have filed the most CFPB complaints against PENTAGON FEDERAL CREDIT UNION. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against PENTAGON FEDERAL CREDIT UNION
Across 46 states with at least one filing
- Texas
Texas
54 complaints
- Florida
Florida
44 complaints
- Georgia
Georgia
44 complaints
- California
California
39 complaints
- New York
New York
33 complaints
- Illinois 21
Illinois
21 complaints
- Maryland 20
Maryland
20 complaints
- Virginia 20
Virginia
20 complaints
Frequently Asked Questions
What is the most common complaint against PENTAGON FEDERAL CREDIT UNION? ▼
The most common issue consumers report about PENTAGON FEDERAL CREDIT UNION is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 432 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 137 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: 57.7/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 46 states, with the most complaints from Texas (54 complaints).
What can I do if PENTAGON 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 PENTAGON 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 |