Total CFPB complaints
27
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 27 complaints
SAN DIEGO COUNTY CREDIT UNION — Debt Collector Complaint Profile
CFPB complaint profile across 4 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about SAN DIEGO COUNTY CREDIT UNION
- Attempts to collect debt not owed
Attempts to collect debt not owed
13 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
8 complaints
- Written notification about debt 4
Written notification about debt
4 complaints
- Unauthorized withdrawals or charges 1
Unauthorized withdrawals or charges
1 complaints
- False statements or representation 1
False statements or representation
1 complaints
C
Grade C · 59.4/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about SAN DIEGO COUNTY CREDIT UNION?
SAN DIEGO COUNTY CREDIT UNION has accumulated 27 total CFPB complaints across 4 states, with 20 filed in the most recent 12 months against 7 historical complaints before that window. The trailing-12-month volume represents 74.1% 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, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 4 states, led by California with 23 and South Carolina with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 59.4/100 places SAN DIEGO COUNTY CREDIT UNION in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
20
74.1% of total history
Rising ↑
States active
4
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
C
59.4/100 composite
Response-quality profile
How SAN DIEGO COUNTY CREDIT UNION performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 7.1%
Share of US states + territories with at least one filed complaint against this collector.
How does SAN DIEGO COUNTY CREDIT UNION compare to its peers?
SAN DIEGO COUNTY 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)
2022-09 2026-03
Top Consumer Issues
Attempts to collect debt not owed13 (%)
Took or threatened to take negative or legal action8 (%)
Written notification about debt4 (%)
Unauthorized withdrawals or charges1 (%)
False statements or representation1 (%)
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 | 12 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 8 |
| Written notification about debt | Didn't receive enough information to verify debt | 3 |
| Unauthorized withdrawals or charges | — | 1 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Written notification about debt | Didn't receive notice of right to dispute | 1 |
Where do complaints against SAN DIEGO COUNTY CREDIT UNION come from?
The states where consumers have filed the most CFPB complaints against SAN DIEGO COUNTY CREDIT UNION. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against SAN DIEGO COUNTY CREDIT UNION
Across 4 states with at least one filing
- California
California
23 complaints
- South Carolina 2
South Carolina
2 complaints
- Colorado 1
Colorado
1 complaints
- Nevada 1
Nevada
1 complaints
Frequently Asked Questions
What is the most common complaint against SAN DIEGO COUNTY CREDIT UNION? ▼
The most common issue consumers report about SAN DIEGO COUNTY CREDIT UNION is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 27 complaints filed with the CFPB.
Are complaints against SAN DIEGO COUNTY CREDIT UNION increasing or decreasing? ▼
Complaints against SAN DIEGO COUNTY CREDIT UNION are rising. The company received 20 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is SAN DIEGO COUNTY CREDIT UNION's reputation grade? ▼
SAN DIEGO COUNTY CREDIT UNION has a reputation grade of C (score: 59.4/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does SAN DIEGO COUNTY CREDIT UNION respond to consumer complaints? ▼
SAN DIEGO COUNTY CREDIT UNION has a 100% timely response rate to CFPB complaints.
In how many states does SAN DIEGO COUNTY CREDIT UNION operate? ▼
SAN DIEGO COUNTY CREDIT UNION has received CFPB complaints from consumers in 4 states, with the most complaints from California (23 complaints).
What can I do if SAN DIEGO COUNTY 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 SAN DIEGO COUNTY 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 |