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 2026-05-15
- 266
- Total complaints
- 50
- Last 12 months
- 42.9%
- Timely response
- 20
- States affected
The verdict
Out of 3,848 financial companies in the CFPB database, Alchro Inc. has accumulated 266 complaints, placing it #762 by volume. Its on-time response rate is 42.9%, trailing the 93% median among companies with 100+ complaints.
- #762
- of 3,848 companies by volume
- 42.9%
- answered on time
- Debt collection
- most-complained product
- 20
- states with complaints
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 |
| 2026 | 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.
42.9% of CFPB-forwarded complaints against Alchro Inc. get a reply 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 was formally disputed in 0% of resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, 1.1% closed with the consumer receiving monetary or non-monetary relief.
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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
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?
42.9% of the CFPB complaints against Alchro Inc. get a response within 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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~266)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.