2026 data Public-data reference. official source

Commercial Trade, Inc.

A federal complaint-record lookup, not a rating from us.

PlainCredit home → About this data

Debt Collector, CFPB Complaint Profile Specializes in: Medical debt

CFPB collection forwarding receipt

Forwarded record DC-COMMERCIAL-TRADE-I Commercial Trade, Inc.

88 DC complaints · rank #636/656 · 100% timely

  • DC 88
  • RANK #636/656
  • TIMELY 100%
  • RELIEF 21.6%
  • DISPUTE 23.5%
  • STATES 15
  • ISSUE Attempts to collect debt no…
  • RESP Closed with explanation
  • PHOTO Velo Law Office

Volume peers

Photo peer: Velo Law Office (88)

Velo Law Office88Eagle Accounts Group, Inc.89National Recoveries, Inc.89Commercial Trade, Inc. (this)88
Debt-collection complaint volume neighbourhood (this collector + nearest volume peers)

Commercial Trade, Inc.'s 88 debt-collection complaints sit next to Velo Law Office (88) on the volume neighbourhood; peer NAMES stay, and the receipt VALUES are this collector's. Full complaint profile for Commercial Trade, Inc. →

Debt Collection Complaint Breakdown

I do not know 29
Medical debt 18
Other debt 15
Medical 13
Other (i.e. phone, health club, etc.) 9
Rental debt 2
Auto 1
Credit card debt 1

Top Complaint Issues

1.Attempts to collect debt not owed 31
2.Cont'd attempts collect debt not owed 17
3.False statements or representation 13
4.Written notification about debt 11
5.Disclosure verification of debt 8
6.Incorrect information on your report 7
7.Took or threatened to take negative or legal action 3
8.Problem with a company's investigation into an existing problem 3
9.Communication tactics 2
10.Problem with a credit reporting company's investigation into an existing problem 2

Company Responses

Closed with explanation 80
Closed with non-monetary relief 22
Consumers who disputed the response 23.5%

Complaints by Year

Year Complaints
2013 4
2014 13
2015 6
2016 5
2017 11
2018 7
2019 8
2020 9
2021 3
2022 7
2023 2
2024 16
2025 9
2026 2

Complaints by State (Top 15)

California 71
Texas 10
Ohio 3
Alabama 2
Tennessee 2
Nevada 2
Florida 2
Oklahoma 2
Wisconsin 1
New York 1
Illinois 1
North Carolina 1
Arizona 1
Arkansas 1
Georgia 1

What the CFPB Record Shows for Commercial Trade, Inc.

PlainCredit places Commercial Trade, Inc. at #636 of 656 debt collectors by CFPB debt-collection complaint volume (3rd percentile), matching the Collectors directory ranking. Commercial Trade, Inc. has 88 debt-collection complaints on file with the CFPB, which represents 86.3% of the 102 total complaints the Bureau has received about this entity. Reports have originated from consumers in 15 states and territories, making this a multi-state collection operation as measured by complaint volume. Consumers most frequently describe "Medical debt" as the debt type behind their complaint about this collector. The single most-cited specific issue is "Attempts to collect debt not owed" - a useful starting point for understanding where the friction between this collector and consumers most frequently occurs.

100% of CFPB-forwarded complaints against this company get a reply inside the Bureau's 15-day window. That figure meets the industry benchmark and indicates an intake process that is functioning on schedule. 21.6% of resolved cases against this company closed with some form of consumer relief. Consumers formally disputed the company's response in 23.5% of resolved cases, signalling how often the initial resolution failed to satisfy the complainant.

Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.

Full complaint profile for Commercial Trade, Inc. → · All debt collectors →

Nationwide collectors with similar complaint volume or dispute rates

Two CFPB peer sets for Commercial Trade, Inc.: nearest debt collectors by debt-collection complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the volume strip on the forwarding receipt above.

Similar complaint volume

Nearest collectors by debt-collection complaint count (88 here).

Velo Law Office 88 Eagle Accounts Group, Inc. 89 National Recoveries, Inc. 89 Pinnacle Asset Management, LLC 89

Similar dispute rates

Nearest collectors by share of complaints marked disputed (23.5% here).

Commercial Acceptance Company 23.5% Merchants Adjustment Service, Inc. 23.5% Rozlin Financial Group, Inc. 23.5% Universal Recovery Corporation 23.5%

Frequently asked questions

How many CFPB debt-collection complaints does Commercial Trade, Inc. have?

The CFPB extract lists 88 debt-collection complaints against Commercial Trade, Inc. (#636 of 656 collectors by volume).

Does Commercial Trade, Inc. respond to CFPB complaints on time?

Commercial Trade, Inc.'s timely response rate on CFPB complaints is 100%.

What issue do consumers cite most about Commercial Trade, Inc.?

The most-cited issue in complaints about Commercial Trade, Inc. is "Attempts to collect debt not owed."

How should I read Commercial Trade, Inc.'s CFPB complaint record?

Treat the counts as a public complaint record, not a credit score or legal finding. Pair this page with PlainCredit guides on debt-collection rights and how to file a CFPB complaint if you have an active dispute.

Related guides: Debt collection rights · How to file a CFPB complaint · Reading CFPB complaint data

Source: Consumer Financial Protection Bureau Consumer Complaint Database · Q1 2026 Complaints filed against firms, not individuals. Data through March 2026.

Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the CFPB Consumer Complaint Database. Consult a qualified professional before making decisions based on this data.

Read our methodology - how this data is sourced, computed, and verified.