Credit Protection Association, L.P.
A federal complaint-record lookup, not a rating from us.
Debt Collector, CFPB Complaint Profile Specializes in: Other (i.e. phone, health club, etc.)
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 | 64 |
| 2014 | 201 |
| 2015 | 171 |
| 2016 | 121 |
| 2017 | 190 |
| 2018 | 131 |
| 2019 | 110 |
| 2020 | 42 |
| 2021 | 19 |
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 Credit Protection Association, L.P.
The CFPB has logged 980 debt-collection complaints against Credit Protection Association, L.P., 93.4% of the 1,049 complaints filed against this entity overall. Consumers in 51 states and territories have filed reports, putting this collection operation in nationwide territory by complaint volume. Consumers most frequently describe "Other (i.e. phone, health club, etc.)" as the debt type behind their complaint about this collector. "Cont'd attempts collect debt not owed" comes up most often as the specific issue cited - worth a look for anyone trying to spot this collector's recurring pain point.
The company's timely response rate is 90.6%, meaning that share of CFPB-forwarded complaints received a reply within the 15-day window the Bureau expects. That is under the 95% benchmark collectors are expected to hit, often a precursor to higher dispute rates. Of resolved cases, 37.3% closed with monetary or non-monetary relief to the consumer, which is a relatively high relief ratio for the debt-collection segment. Consumers formally disputed the company's response in 8% 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 Credit Protection Association, L.P. have?
Credit Protection Association, L.P. has 980 debt collection complaints filed with the CFPB, representing 93.4% of all complaints against this company.
Does Credit Protection Association, L.P. respond to complaints on time?
90.6% of the CFPB complaints against Credit Protection Association, L.P. get a response within the expected window.
Does Credit Protection Association, L.P. provide relief to consumers?
Credit Protection Association, L.P. closed 37.3% of resolved complaints with some form of consumer relief, monetary or non-monetary. This is a relatively high relief rate.
What type of debt does Credit Protection Association, L.P. primarily collect?
Based on CFPB complaint records, Credit Protection Association, L.P.'s primary debt type is "Other (i.e. phone, health club, etc.)"; the complete breakdown is shown above.
What rights do I have against Credit Protection Association, L.P.?
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 Credit Protection Association, L.P. active?
Consumers in 51 states and territories have filed CFPB complaints against Credit Protection Association, L.P..
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.