What is the most common complaint against Sentry Credit, Inc.?

The most common issue consumers report about Sentry Credit, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 427 complaints filed with the CFPB.

Are complaints against Sentry Credit, Inc. increasing or decreasing?

Complaints against Sentry Credit, Inc. are falling. The company received 18 complaints in the last 12 months, showing improvement over prior periods.

What is Sentry Credit, Inc.'s reputation grade?

Sentry Credit, Inc. has a reputation grade of D (score: 55.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Sentry Credit, Inc. respond to consumer complaints?

Sentry Credit, Inc. has a 96% timely response rate to CFPB complaints. Consumers disputed the company's response in 7% of cases.

In how many states does Sentry Credit, Inc. operate?

Sentry Credit, Inc. has received CFPB complaints from consumers in 38 states, with the most complaints from Texas (71 complaints).

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

Sentry Credit, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 38 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

186
Written notification about debt

80
False statements or representation

55
Cont'd attempts collect debt not owed

22
Took or threatened to take negative or legal action

21
Communication tactics

18

Data updated September 2026

CFPB complaint disposition

CCDB record sentry-credit-inc Sentry Credit, Inc.

Grade D · 427 CFPB filings · 96% timely · lead issue: Attempts to collect debt not owed · vol #310 · compose #3225

VOL 427
GRADE D
12MO 18
STATES 38
TIMELY 96%
DISPUTE 7%
ISSUE Attempts to collect debt n…
RANK #310
COMPOSE #3,225

Volume peers

Nearest volume peer: American Honda Finance Corp (425 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Sentry Credit, Inc.'s 427 CFPB complaints sit next to American Honda Finance Corp 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 →

Filing geometry

Texas is the plurality state for Sentry Credit, Inc. (16.6%)

Volume rank #310 and composite rank #3,225 diverge by 2,915 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Texas 16.6%; Mid-band (15–30%) · 38 states with ≥1 filing
Seasonal peak: 2024-02 9.8%; 8–15% band · 6 filings
Divergent corpus ranks: #310 volume; #3,225 composite; Cleanest-composite ladder is 2,915 places worse than volume

How does Sentry Credit, Inc. compare to its peers?

How does Sentry 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

Sentry Credit, Inc. National average

Complaints (last 12 mo)lower is better

100

268

Timely-response ratehigher is better

96%

99%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-12 2026-02

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	186
Written notification about debt	80
False statements or representation	55
Cont'd attempts collect debt not owed	22
Took or threatened to take negative or legal action	21
Communication tactics	18
Disclosure verification of debt	13
Threatened to contact someone or share information improperly	13
Electronic communications	10
Improper contact or sharing of info	6

Where do complaints against Sentry Credit, Inc. come from?

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

Texas

71
Florida

55
California

44
Georgia

35
Washington

35
Virginia

22
Maryland

19
Illinois

16

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Sentry 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: 427.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 95.8041958041958%.

4 peers

Know your rights before responding to Sentry 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.