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

CFPB complaint data Grade D 3 complaints

Watertown Credit Bureau Inc - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade D.

Complaints by issue type

What consumers report about Watertown Credit Bureau Inc

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 58.4/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Watertown Credit Bureau Inc ranks ahead of 36% of the 5,283 collectors PlainCollector grades - 64% keep a cleaner CFPB record, on 3 all-time complaints and a 67% timely-response rate.

36th pct
reputation rank of 5,283 graded collectors
3
CFPB complaints, all-time
67%
answered inside the CFPB window
0
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Watertown Credit Bureau Inc?

Watertown Credit Bureau Inc has accumulated 3 total CFPB complaints across 2 states, with 0 filed in the most recent 12 months against 3 historical complaints before that window. The trailing-12-month volume represents 0.0% 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 "False statements or representation", narrowing to "Indicated committed crime not paying". The company posts a 67% timely-response rate against a 67% consumer-dispute-after-response rate.

Complaints have been recorded across 2 states, led by South Dakota with 2 and California with 1. Normalized against the full CFPB collector database, the reputation score of 58.4/100 places Watertown Credit Bureau Inc in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

3

low-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

2

limited footprint

Timely response rate

67%

below sla band

Consumer disputes

67%

high (vertical avg ~19%)

Reputation grade

D

58.4/100 composite

How does Watertown Credit Bureau Inc's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

58 36th percentile higher than 36% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Watertown Credit Bureau Inc versus the debt-collection vertical average.

Timely response within SLA 66.7%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 66.7%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 3.6%

Share of US states + territories with at least one filed complaint against this collector.

How does Watertown Credit Bureau Inc compare to its peers?

How does Watertown Credit Bureau Inc compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Watertown Credit Burea… National average
Complaints (last 12 mo)lower is better
0
0
268
Timely-response ratehigher is better
67%
100%
91%
Consumer-dispute ratelower is better
67%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2021-02 2025-07

Issue Detail Breakdown

Issue Sub-Issue Complaints
False statements or representation - 1
Communication tactics - 1
Cont'd attempts collect debt not owed - 1

Where do complaints against Watertown Credit Bureau Inc come from?

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

Top states by complaints against Watertown Credit Bureau Inc

Across 2 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Watertown Credit Bureau Inc contacts you

A grade of D signals how Watertown Credit Bureau Inc's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Watertown Credit Bureau Inc and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Watertown Credit Bureau Inc ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Watertown Credit Bureau Inc? ▼

The most common issue consumers report about Watertown Credit Bureau Inc is "False statements or representation", specifically "Indicated committed crime not paying". This is based on 3 complaints filed with the CFPB.

Are complaints against Watertown Credit Bureau Inc increasing or decreasing? ▼

Complaints against Watertown Credit Bureau Inc are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Watertown Credit Bureau Inc's reputation grade? ▼

Watertown Credit Bureau Inc has a reputation grade of D (score: 58.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Watertown Credit Bureau Inc respond to consumer complaints? ▼

Watertown Credit Bureau Inc has a 67% timely response rate to CFPB complaints. Consumers disputed the company's response in 67% of cases.

In how many states does Watertown Credit Bureau Inc operate? ▼

Watertown Credit Bureau Inc has received CFPB complaints from consumers in 2 states, with the most complaints from South Dakota (2 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.