Credigy USA Corp.
Sourced from the CFPB Consumer Complaint Database.
Debt Collector, CFPB Complaint Profile Specializes in: Credit card
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 | 30 |
| 2014 | 30 |
| 2015 | 26 |
| 2016 | 14 |
| 2017 | 15 |
| 2018 | 4 |
| 2019 | 10 |
| 2020 | 6 |
| 2021 | 3 |
| 2022 | 2 |
| 2024 | 1 |
| 2025 | 3 |
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 Credigy USA Corp.
The CFPB has logged 119 debt-collection complaints against Credigy USA Corp., 82.6% of the 144 complaints filed against this entity overall. Consumers in 35 states and territories have filed reports, putting this collection operation in multi-state territory by complaint volume. Consumers most frequently describe "Credit card" as the debt type behind their complaint about this collector. The single most-cited specific issue is "Cont'd attempts collect debt not owed" - a useful starting point for understanding where the friction between this collector and consumers most frequently occurs.
The company's timely response rate is 99.3%, meaning that share of CFPB-forwarded complaints received a reply within the 15-day window the Bureau expects. That figure meets the industry benchmark and indicates an intake process that is functioning on schedule. Among resolved cases, 0.7% ended with monetary or non-monetary relief to the consumer - a notably low rate worth weighing against the dispute percentage. Consumers formally disputed the company's response in 16.2% 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 Credigy USA Corp. have?
119 debt-collection complaints against Credigy USA Corp. appear in the CFPB record - 82.6% of the company's total complaint volume.
Does Credigy USA Corp. respond to complaints on time?
Credigy USA Corp.'s CFPB timely-response rate is 99.3%. That is a strong response record by CFPB standards.
Does Credigy USA Corp. provide relief to consumers?
0.7% of resolved complaints against Credigy USA Corp. were closed with some form of consumer relief (monetary or non-monetary).
What type of debt does Credigy USA Corp. primarily collect?
Based on CFPB complaint records, Credigy USA Corp.'s primary debt type is "Credit card"; the complete breakdown is shown above.
What rights do I have against Credigy USA Corp.?
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 Credigy USA Corp. active?
CFPB data shows consumer complaints against Credigy USA Corp. from 35 states and territories.
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.