Total CFPB complaints
295
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 295 complaints
Professional Credit Management, Inc — Debt Collector Complaint Profile
CFPB complaint profile across 22 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Professional Credit Management, Inc
- Attempts to collect debt not owed
Attempts to collect debt not owed
124 complaints
- Written notification about debt
Written notification about debt
71 complaints
- False statements or representation 25
False statements or representation
25 complaints
- Took or threatened to take negative or legal action 16
Took or threatened to take negative or legal action
16 complaints
- Disclosure verification of debt 12
Disclosure verification of debt
12 complaints
- Communication tactics 8
Communication tactics
8 complaints
D
Grade D · 57.8/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Professional Credit Management, Inc?
Professional Credit Management, Inc has accumulated 295 total CFPB complaints across 22 states, with 43 filed in the most recent 12 months against 252 historical complaints before that window. The trailing-12-month volume represents 14.6% 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 100% timely-response rate against a 19% 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 22 states, led by Arkansas with 139 and Tennessee with 67, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.8/100 places Professional Credit Management, Inc 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
43
14.6% of total history
Rising ↑
States active
22
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
19%
After company response
Reputation grade
D
57.8/100 composite
Response-quality profile
How Professional Credit Management, Inc performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 38.9%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 39.3%
Share of US states + territories with at least one filed complaint against this collector.
How does Professional Credit Management, Inc compare to its peers?
Professional Credit Ma… 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)
2024-03 2026-02
Top Consumer Issues
Attempts to collect debt not owed124 (%)
Written notification about debt71 (%)
False statements or representation25 (%)
Took or threatened to take negative or legal action16 (%)
Disclosure verification of debt12 (%)
Communication tactics8 (%)
Cont'd attempts collect debt not owed7 (%)
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 | 78 |
| Written notification about debt | Didn't receive enough information to verify debt | 45 |
| Attempts to collect debt not owed | Debt was paid | 31 |
| Written notification about debt | Didn't receive notice of right to dispute | 26 |
| False statements or representation | Attempted to collect wrong amount | 25 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 16 |
| Attempts to collect debt not owed | Debt was result of identity theft | 15 |
| Disclosure verification of debt | Not given enough info to verify debt | 12 |
| Communication tactics | Frequent or repeated calls | 8 |
| Cont'd attempts collect debt not owed | Debt was paid | 7 |
Where do complaints against Professional Credit Management, Inc come from?
The states where consumers have filed the most CFPB complaints against Professional Credit Management, Inc. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Professional Credit Management, Inc
Across 22 states with at least one filing
- Arkansas
Arkansas
139 complaints
- Tennessee
Tennessee
67 complaints
- Louisiana 22
Louisiana
22 complaints
- Mississippi 21
Mississippi
21 complaints
- Missouri 10
Missouri
10 complaints
- Texas 10
Texas
10 complaints
- Florida 5
Florida
5 complaints
- California 3
California
3 complaints
Frequently Asked Questions
What is the most common complaint against Professional Credit Management, Inc? ▼
The most common issue consumers report about Professional Credit Management, Inc is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 295 complaints filed with the CFPB.
Are complaints against Professional Credit Management, Inc increasing or decreasing? ▼
Complaints against Professional Credit Management, Inc are rising. The company received 43 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Professional Credit Management, Inc's reputation grade? ▼
Professional Credit Management, Inc has a reputation grade of D (score: 57.8/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Professional Credit Management, Inc respond to consumer complaints? ▼
Professional Credit Management, Inc has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 19% of cases.
In how many states does Professional Credit Management, Inc operate? ▼
Professional Credit Management, Inc has received CFPB complaints from consumers in 22 states, with the most complaints from Arkansas (139 complaints).
What can I do if Professional Credit Management, 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 Professional Credit Management, 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 |