Commercial Trade, Inc.
A federal complaint-record lookup, not a rating from us.
Debt Collector, CFPB Complaint Profile Specializes in: Medical debt
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Most consumers facing collection complaints carry utilization in the Fair-Poor band. FICO bands per myFICO + Experian guidance.
FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.
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)
Other Complaint Types
Your Rights with Debt Collectors
The Fair Debt Collection Practices Act (FDCPA) protects you from abusive, unfair, and deceptive collection practices.
- Request written verification of any debt within 30 days of first contact
- Dispute a debt if you believe it is incorrect or does not belong to you
- Demand the collector stop contacting you (in writing)
- File a complaint with the CFPB at consumerfinance.gov/complaint
What the CFPB Record Shows for Commercial Trade, Inc.
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.
How to read these numbers, and what to do if you're disputing a charge
Complaint volume alone does not prove wrongdoing, larger collection portfolios naturally produce more complaints, but the combination of timely-response rate, relief ratio, and dispute rate above gives a reasonable empirical picture of how this collector handles consumer interactions. Anyone in active dispute with this company should keep written records, use certified mail for verification requests (see your FDCPA rights above), and consider filing a CFPB complaint if standard resolution channels stall.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Frequently Asked Questions
How many debt collection complaints does Commercial Trade, Inc. have?
The CFPB has logged 88 debt-collection complaints against Commercial Trade, Inc., 86.3% of all complaints filed against this company.
Does Commercial Trade, Inc. respond to complaints on time?
Commercial Trade, Inc. has a 100% timely response rate. That puts it among the more responsive collectors in the CFPB dataset.
Does Commercial Trade, Inc. provide relief to consumers?
Commercial Trade, Inc. closed 21.6% of resolved complaints with some form of consumer relief, monetary or non-monetary.
What type of debt does Commercial Trade, Inc. primarily collect?
"Medical debt" is the debt type Commercial Trade, Inc. is most associated with in CFPB complaint data - see the full breakdown above.
What rights do I have against Commercial Trade, Inc.?
Under the Fair Debt Collection Practices Act (FDCPA), you can request written debt verification within 30 days, dispute debts you believe are incorrect, demand the collector stop contacting you in writing, and file a complaint with the CFPB at consumerfinance.gov/complaint.
In how many states is Commercial Trade, Inc. active?
Consumers in 15 states and territories have filed CFPB complaints against Commercial Trade, Inc..
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.