CFPB Consumer Complaint Profile
Alchro Inc.
266 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 266
- Total complaints
- Above average
- 50
- Last 12 months
- 42.9%
- Timely response
- Bottom decile
- 20
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Alchro Inc. has accumulated 266 complaints, placing it #760 by volume. Its on-time response rate is 42.9%, the 2nd percentile among companies with 100+ complaints.
- #760
- of 3,843 companies by volume
- 42.9%
- on time (2nd pctile)
- Debt collection
- most-complained product
- 20
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Alchro Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
42.9% Among the lowest higher than 2% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 20 in 2024 to 51 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2014 | 8 |
| 2015 | 10 |
| 2016 | 26 |
| 2017 | 24 |
| 2018 | 32 |
| 2019 | 21 |
| 2020 | 18 |
| 2021 | 20 |
| 2022 | 16 |
| 2023 | 14 |
| 2024 | 20 |
| 2025 | 51 |
| 2026year in progress | 6 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Alchro Inc.
Alchro Inc. carries 266 complaints in the CFPB's database, 50 of them filed within the past 12 months. Consumers spanning 20 states and territories have weighed in, giving this a multi-regional footprint. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Attempts to collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against Alchro Inc. draw a 42.9% reply rate inside the Bureau's 15-day window. That is well below the 95% industry benchmark and is a material red flag, late or missing responses are one of the strongest predictors of CFPB supervisory interest. The company's response carried a 0% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, the consumer-relief closure rate is 1.1%.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Alchro Inc. have?
The CFPB has logged 266 complaints against Alchro Inc. to date, of which 50 came in over the last 12 months.
Does Alchro Inc. respond to complaints on time?
CFPB complaints against Alchro Inc. draw a 42.9% timely-response rate inside the expected window. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for Alchro Inc.?
The most complained-about product for Alchro Inc. is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Alchro Inc.?
Consumers most often cite "Attempts to collect debt not owed" when complaining about Alchro Inc.; the full issue list with counts is above.
How do I file a complaint against Alchro Inc.?
You can file a complaint against Alchro Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Alchro Inc.?
Alchro Inc. has drawn CFPB complaints from 20 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Alchro Inc.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (0% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.