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

CFPB complaint data Grade D 307 complaints

Professional Credit Management, Inc - Debt Collector Complaint Profile

CFPB complaint profile across 22 states, reputation grade D.

Complaints by issue type

What consumers report about Professional Credit Management, Inc

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 57.8/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

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

The verdict

A reputation grade of D: Professional Credit Management, Inc ranks ahead of 34% of the 5,283 collectors PlainCollector grades - 66% keep a cleaner CFPB record, on 307 all-time complaints and a 100% timely-response rate.

34th pct
reputation rank of 5,283 graded collectors
307
CFPB complaints, all-time
100%
answered inside the CFPB window
43
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 Professional Credit Management, Inc?

Professional Credit Management, Inc has accumulated 307 total CFPB complaints across 22 states, with 43 filed in the most recent 12 months against 264 historical complaints before that window. The trailing-12-month volume represents 14.0% 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 100% timely-response rate against a 19% consumer-dispute-after-response rate.

Complaints have been recorded across 22 states, led by Arkansas with 147 and Tennessee with 71. Normalized against the full CFPB collector database, the reputation score of 57.8/100 places Professional Credit Management, Inc in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

307

mid-volume (CCDB)

Last 12 months

43

14.0% of all-time complaints

Falling ↓

States active

22

multi-region footprint

Timely response rate

100%

excellent band

Consumer disputes

19%

average (vertical avg ~19%)

Reputation grade

D

57.8/100 composite

How does Professional Credit Management, Inc's reputation rank nationally?

Reputation score vs. every graded collector

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

58 34th percentile higher than 34% 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%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 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

Professional Credit Management, Inc versus the debt-collection vertical average.

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) 19.4%
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?

How does Professional Credit Management, Inc compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Professional Credit Ma… National average
Complaints (last 12 mo)lower is better
43
0
268
Timely-response ratehigher is better
100%
100%
91%
Consumer-dispute ratelower is better
19%
9%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-07 2020-11

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 135
Written notification about debt - 77
False statements or representation - 32
Took or threatened to take negative or legal action - 19
Disclosure verification of debt - 16
Cont'd attempts collect debt not owed - 11
Communication tactics - 10
Threatened to contact someone or share information improperly - 3
Improper contact or sharing of info - 2
Taking/threatening an illegal action - 2

Where do complaints against Professional Credit Management, Inc come from?

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

Top states by complaints against Professional Credit Management, Inc

Across 22 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Professional Credit Management, Inc contacts you

A grade of D signals how Professional Credit Management, 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 Professional Credit Management, 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 Professional Credit Management, 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 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 307 complaints filed with the CFPB.

Are complaints against Professional Credit Management, Inc increasing or decreasing? ▼

Complaints against Professional Credit Management, Inc are falling. The company received 43 complaints in the last 12 months, showing improvement over prior periods.

What is Professional Credit Management, Inc's reputation grade? ▼

Professional Credit Management, Inc has a reputation grade of D (score: 57.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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 (147 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.