CFPB Consumer Complaint Profile
Certegy Holdings, LLC
What 604 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 604
- Total complaints
- Above average
- 122
- Last 12 months
- 100%
- Timely response
- Top decile
- 46
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Certegy Holdings, LLC sits at #453, with 604 complaints logged. On-time replies land at 100%, the 86th percentile for the 100+ complaint peer group.
- #453
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Credit reporting or …
- most-complained product
- 46
- 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.
Certegy Holdings, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% 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 70 in 2024 to 122 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 |
|---|---|
| 2018 | 26 |
| 2019 | 81 |
| 2020 | 58 |
| 2021 | 98 |
| 2022 | 64 |
| 2023 | 63 |
| 2024 | 70 |
| 2025 | 122 |
| 2026year in progress | 22 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Certegy Holdings, LLC
Certegy Holdings, LLC carries 604 complaints in the CFPB's database, 122 of them filed within the past 12 months. Consumers spanning 46 states and territories have weighed in, giving this a nationwide footprint. The single largest complaint category is "Credit reporting or other personal consumer reports," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Incorrect information on your report" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Within the Bureau's 15-day response window, Certegy Holdings, LLC posts a 100% reply rate on forwarded complaints. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Among resolved complaints, the consumer-relief closure rate is 0%.
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 Certegy Holdings, LLC have?
The CFPB has logged 604 complaints against Certegy Holdings, LLC to date, of which 122 came in over the last 12 months.
Does Certegy Holdings, LLC respond to complaints on time?
Certegy Holdings, LLC has a 100% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Certegy Holdings, LLC?
"Credit reporting or other personal consumer reports" draws more CFPB complaints against Certegy Holdings, LLC than any other product - see the full breakdown above.
What is the most common complaint issue with Certegy Holdings, LLC?
"Incorrect information on your report" is the single most frequently cited issue in complaints against Certegy Holdings, LLC - see all issues and counts above.
How do I file a complaint against Certegy Holdings, LLC?
You can file a complaint against Certegy Holdings, LLC 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 Certegy Holdings, LLC?
The CFPB has recorded complaints against Certegy Holdings, LLC from 46 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Also handles Credit reporting or other personal consumer reports
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.