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

CFPB complaint data Grade C 144 complaints

Preferred Credit Inc - Debt Collector Complaint Profile

CFPB complaint profile across 33 states, reputation grade C.

Complaints by issue type

What consumers report about Preferred Credit Inc

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record preferred-credit-inc Preferred Credit Inc

Grade C · 144 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed

  • VOL 144
  • GRADE C
  • 12MO 62
  • STATES 33
  • TIMELY 100%
  • DISPUTE 20%
  • ISSUE Attempts to collect debt n…
  • RANK #673
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Keynote Consulting, Inc. (144 complaints)

Keynote Consulting, Inc.Keynote Consulting, Inc.144Stuart-Lippman and Associates, IncStuart-Lippman and Associate…144Preferred Credit Inc (this)Preferred Credit Inc (this)144JDJ Investments, INC.JDJ Investments, INC.145KeyBridge Medical Revenue ManagementKeyBridge Medical Revenue Ma…145
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Preferred Credit Inc's 144 CFPB complaints sit next to Keynote Consulting, Inc. 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 →

How the 144 complaints break down

Every complaint issue type on record for Preferred Credit Inc, not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
57.5/100
Preferred Credit Inc

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
144
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
20%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Spiky monthly series

Texas is the plurality state for Preferred Credit Inc (25.7%)

Peak share is this collector's company_monthly maximum divided by its own stored monthly total. Corpus placement method.

Plurality state
Texas 25.7%
Mid-band (15–30%) · 33 states with ≥1 filing
Spike month
2025-12 16.3%
17 filings that month · spiky (≥15% of series)
Corpus ranks
#673 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Preferred Credit Inc compare to its peers?

How does PREFERRED CREDIT INC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
PREFERRED CREDIT INC National average
Complaints (last 12 mo)lower is better
62
26
268
Timely-response ratehigher is better
100%
95%
91%
Consumer-dispute ratelower is better
20%
33%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Preferred Credit Inc a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 85%90%95%100%105% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Preferred Credit Inc vs. 10 similar-volume peers, by response speed and dispute rate Preferred Credit IncKeynote Consulting, Inc.Stuart-Lippman and Associates, IncSarmaBBVA FINANCIAL CORPORATIONNational Recovery Solutions, LLCKINGS CREDIT SERVICESKeyBridge Medical Revenue ManagementOxford Law, LLCJDJ Investments, INC.Recovery One, LLC
Source: CFPB Consumer Complaint Database

Preferred Credit Inc's complaint volume in context

Preferred Credit Inc vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

144 Top 12% higher than 88% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). This entry sits in this band. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Preferred Credit Inc 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
2023-06 2026-02

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
55
Took or threatened to take negative or legal action
40
False statements or representation
14
Communication tactics
13
Written notification about debt
11
Cont'd attempts collect debt not owed
8
Disclosure verification of debt
1
Threatened to contact someone or share information improperly
1
Taking/threatening an illegal action
1

Where do complaints against Preferred Credit Inc come from?

Preferred Credit Inc's own per-state count, not a national baseline.

Top states by complaints against Preferred Credit Inc

Across 33 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Preferred Credit Inc: 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: 144.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 100%.

4 peers

Know your rights before responding to Preferred Credit Inc: 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.