CFPB Consumer Complaint Profile
Charlottesville Bureau of Credits, Inc
The CFPB complaints on file trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 63
- Total complaints
- Mid-range
- 0
- Last 12 months
- 82.5%
- Timely response
- Bottom quartile
- 16
- States affected
The verdict
Charlottesville Bureau of Credits, Inc ranks #1640 of 3,843 financial companies by CFPB complaint volume. For answering complaints on time it stands at the 11th percentile in the 100+ complaint peer group.
- Debt collection
- most-complained product
- VA
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
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.
Charlottesville Bureau of Credits, Inc vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
82.5% Among the lowest higher than 11% 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
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 4 |
| 2014 | 7 |
| 2015 | 10 |
| 2016 | 10 |
| 2017 | 4 |
| 2018 | 2 |
| 2019 | 8 |
| 2020 | 5 |
| 2021 | 4 |
| 2022 | 5 |
| 2023 | 2 |
| 2024 | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Charlottesville Bureau of Credits, Inc
In the CFPB record, Charlottesville Bureau of Credits, Inc has a multi-regional complaint footprint. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Cont'd attempts collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Timely response is the share of CFPB-forwarded complaints that receive a company reply within the 15-day window the Bureau expects. This company's rate falls short of the 95% benchmark, a gap that tends to track with more disputes downstream. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Charlottesville Bureau of Credits, 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 (35.3% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Charlottesville Bureau of Credits, Inc have?
Charlottesville Bureau of Credits, Inc has 63 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does Charlottesville Bureau of Credits, Inc respond to complaints on time?
CFPB complaints against Charlottesville Bureau of Credits, Inc draw a 82.5% timely-response rate inside the expected window.
What product generates the most complaints for Charlottesville Bureau of Credits, Inc?
Among all products tied to Charlottesville Bureau of Credits, Inc, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Charlottesville Bureau of Credits, Inc?
Consumers most often cite "Cont'd attempts collect debt not owed" when complaining about Charlottesville Bureau of Credits, Inc; the full issue list with counts is above.
How do I file a complaint against Charlottesville Bureau of Credits, Inc?
You can file a complaint against Charlottesville Bureau of Credits, 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 Charlottesville Bureau of Credits, Inc?
Consumers in 16 states and territories have filed complaints about Charlottesville Bureau of Credits, Inc with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.