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

CFPB complaint data Grade D 427 complaints

Sentry Credit, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 38 states, reputation grade D.

Complaints by issue type

What consumers report about Sentry Credit, Inc.

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

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 #98

  • VOL 427
  • GRADE D
  • 12MO 18
  • STATES 38
  • TIMELY 96%
  • DISPUTE 7%
  • ISSUE Attempts to collect debt n…
  • RANK #310
  • COMPOSE #98

Volume peers

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

Designed Receivable Solutions, Inc.Designed Receivable Solution…421Direct Recovery Services, LLCDirect Recovery Services, LLC422American Honda Finance CorpAmerican Honda Finance Corp425Sentry Credit, Inc. (this)Sentry Credit, Inc. (this)427Summit A*R, Inc.Summit A*R, Inc.430
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 →

How the 427 complaints break down

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

Reputation score breakdown

D
Composite reputation score
55.7/100
Sentry 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
427
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
96%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
7%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

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

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. 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
Corpus ranks
#310 volume
#98 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

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
18
100
268
Timely-response ratehigher is better
96%
99%
91%
Consumer-dispute ratelower is better
7%
19%
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 Sentry Credit, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 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 20%40%60%80%100%120% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Sentry Credit, Inc. vs. 9 similar-volume peers, by response speed and dispute rate Sentry Credit, Inc.AMERICAN HONDA FINANCE CORPSummit A*R, Inc.Direct Recovery Services, LLCDesigned Receivable Solutions, Inc.AmerAssist A/R Solutions, Inc.Platinum Holdings Group, LLCNATIONSTAR MORTGAGE LLCNorthland Group IncPlusFour, Inc
Source: CFPB Consumer Complaint Database

Sentry Credit, Inc.'s complaint volume in context

Sentry 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)

427 Top 6% higher than 94% 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%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Sentry 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)

Falling ↓
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.

Top states by complaints against Sentry Credit, Inc.

Across 38 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 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.