Total CFPB complaints
2
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 2 complaints
Take Charge America, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 2 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Take Charge America, Inc.
- Didn't provide services promised
Didn't provide services promised
1 complaints
- Unauthorized withdrawals or charges
Unauthorized withdrawals or charges
1 complaints
A
Grade A · 79.1/100 composite
This collector has an excellent complaint record — very few complaints relative to its size, with high response rates.
What do CFPB complaints reveal about Take Charge America, Inc.?
Take Charge America, Inc. has accumulated 2 total CFPB complaints across 2 states, with 1 filed in the most recent 12 months against 1 historical complaints before that window. The trailing-12-month volume represents 50.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Didn't provide services promised", 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 2 states, led by New Jersey with 1 and Florida with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 79.1/100 places Take Charge America, Inc. in grade band A, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
1
50.0% of total history
Stable →
States active
2
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
A
79.1/100 composite
Response-quality profile
How Take Charge America, Inc. 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 3.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Take Charge America, Inc. compare to its peers?
Take Charge America, I… 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)
2024-11 2026-01
Top Consumer Issues
Didn't provide services promised1 (%)
Unauthorized withdrawals or charges1 (%)
Most common issue: Didn't provide services promised
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 |
|---|---|---|
| Didn't provide services promised | — | 1 |
| Unauthorized withdrawals or charges | — | 1 |
Where do complaints against Take Charge America, Inc. come from?
The states where consumers have filed the most CFPB complaints against Take Charge America, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Take Charge America, Inc.
Across 2 states with at least one filing
- New Jersey
New Jersey
1 complaints
- Florida
Florida
1 complaints
Frequently Asked Questions
What is the most common complaint against Take Charge America, Inc.? ▼
The most common issue consumers report about Take Charge America, Inc. is "Didn't provide services promised". This is based on 2 complaints filed with the CFPB.
Are complaints against Take Charge America, Inc. increasing or decreasing? ▼
Complaints against Take Charge America, Inc. have been stable. The company received 1 complaints in the last 12 months.
What is Take Charge America, Inc.'s reputation grade? ▼
Take Charge America, Inc. has a reputation grade of A (score: 79.1/100). This collector has an excellent complaint record — very few complaints relative to its size, with high response rates.
Does Take Charge America, Inc. respond to consumer complaints? ▼
Take Charge America, Inc. has a 100% timely response rate to CFPB complaints.
In how many states does Take Charge America, Inc. operate? ▼
Take Charge America, Inc. has received CFPB complaints from consumers in 2 states, with the most complaints from New Jersey (1 complaints).
What can I do if Take Charge America, Inc. 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 Take Charge America, Inc. 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 |