Total CFPB complaints
22
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 22 complaints
Sterling Credit Corp. — Debt Collector Complaint Profile
CFPB complaint profile across 10 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Sterling Credit Corp.
- Attempts to collect debt not owed
Attempts to collect debt not owed
10 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
4 complaints
- False statements or representation 3
False statements or representation
3 complaints
- Communication tactics 3
Communication tactics
3 complaints
- Threatened to contact someone or share information improperly 2
Threatened to contact someone or share information improperly
2 complaints
F
Grade F · 48.1/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Sterling Credit Corp.?
Sterling Credit Corp. has accumulated 22 total CFPB complaints across 10 states, with 2 filed in the most recent 12 months against 20 historical complaints before that window. The trailing-12-month volume represents 9.1% 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", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 64% 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 10 states, led by Pennsylvania with 11 and Georgia 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 48.1/100 places Sterling Credit Corp. in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
2
9.1% of total history
Falling ↓
States active
10
Distinct state filings
Timely response rate
64%
Within CFPB SLA window
Reputation grade
F
48.1/100 composite
Response-quality profile
How Sterling Credit Corp. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 63.6%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 17.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Sterling Credit Corp. compare to its peers?
Sterling Credit Corp. 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)
2018-06 2025-12
Top Consumer Issues
Attempts to collect debt not owed10 (%)
Took or threatened to take negative or legal action4 (%)
False statements or representation3 (%)
Communication tactics3 (%)
Threatened to contact someone or share information improperly2 (%)
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 | 5 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 3 |
| Attempts to collect debt not owed | Debt was result of identity theft | 3 |
| False statements or representation | Attempted to collect wrong amount | 3 |
| Communication tactics | Used obscene, profane, or other abusive language | 2 |
| Attempts to collect debt not owed | Debt was paid | 2 |
| Threatened to contact someone or share information improperly | Contacted your employer | 1 |
| Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | 1 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 1 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 1 |
Where do complaints against Sterling Credit Corp. come from?
The states where consumers have filed the most CFPB complaints against Sterling Credit Corp.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Sterling Credit Corp.
Across 10 states with at least one filing
- Pennsylvania
Pennsylvania
11 complaints
- Georgia 2
Georgia
2 complaints
- Arizona 2
Arizona
2 complaints
- Kentucky 1
Kentucky
1 complaints
- New York 1
New York
1 complaints
- Florida 1
Florida
1 complaints
- Texas 1
Texas
1 complaints
- North Carolina 1
North Carolina
1 complaints
Frequently Asked Questions
What is the most common complaint against Sterling Credit Corp.? ▼
The most common issue consumers report about Sterling Credit Corp. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 22 complaints filed with the CFPB.
Are complaints against Sterling Credit Corp. increasing or decreasing? ▼
Complaints against Sterling Credit Corp. are falling. The company received 2 complaints in the last 12 months, showing improvement over prior periods.
What is Sterling Credit Corp.'s reputation grade? ▼
Sterling Credit Corp. has a reputation grade of F (score: 48.1/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does Sterling Credit Corp. respond to consumer complaints? ▼
Sterling Credit Corp. has a 64% timely response rate to CFPB complaints.
In how many states does Sterling Credit Corp. operate? ▼
Sterling Credit Corp. has received CFPB complaints from consumers in 10 states, with the most complaints from Pennsylvania (11 complaints).
What can I do if Sterling Credit Corp. 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 Sterling Credit Corp. 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 |