CFPB Consumer Complaint Profile

Commercial Trade, Inc.

Consumers have filed 102 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.

Data updated 2026-05-15

102
Total complaints
8
Last 12 months
100%
Timely response
15
States affected

The verdict

Commercial Trade, Inc. ranks #1318 of 3,848 financial companies by CFPB complaint volume, with 102 complaints on record. Its on-time response rate is 100%, ahead of the 93% median among companies with 100+ complaints.

#1318
of 3,848 companies by volume
100%
answered on time
Debt collection
most-complained product
15
states with complaints
Commercial Trade, Inc. timely response rate 100.0%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Debt collection - I do not know 29
Debt collection - Medical debt 18
Debt collection - Other debt 15
Debt collection - Medical 13
Debt collection - Other (i.e. phone, health club, etc.) 9
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 6
Credit reporting or other personal consumer reports - Credit reporting 6
Debt collection - Rental debt 2
Debt collection - Auto 1
Credit card or prepaid card - General-purpose credit card or charge card 1

Top Issues

1.Attempts to collect debt not owed 31
2.Cont'd attempts collect debt not owed 17
3.False statements or representation 13
4.Written notification about debt 11
5.Disclosure verification of debt 8
6.Incorrect information on your report 7
7.Took or threatened to take negative or legal action 3
8.Problem with a company's investigation into an existing problem 3
9.Communication tactics 2
10.Problem with a credit reporting company's investigation into an existing problem 2

Complaints by Year

Year Complaints
2013 4
2014 13
2015 6
2016 5
2017 11
2018 7
2019 8
2020 9
2021 3
2022 7
2023 2
2024 16
2025 9
2026 2

Complaints by State (Top 15)

California 71
Texas 10
Ohio 3
Alabama 2
Tennessee 2
Nevada 2
Florida 2
Oklahoma 2
Wisconsin 1
New York 1
Illinois 1
North Carolina 1
Arizona 1
Arkansas 1
Georgia 1

Company Responses

Closed with explanation 80
Closed with non-monetary relief 22

What the CFPB Complaint Record Shows for Commercial Trade, Inc.

The CFPB Consumer Complaint Database has logged 102 complaints against Commercial Trade, Inc. overall, with 8 of those filed in the trailing 12 months. Reports have come from consumers in 15 states and territories, making this 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 "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.

100% of CFPB-forwarded complaints against Commercial Trade, Inc. get a reply inside the Bureau's 15-day window. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Consumers formally disputed the company's response in 23.5% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. 21.6% of resolved complaints ended with some monetary or non-monetary relief for the consumer.

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 Commercial Trade, Inc. have?

The CFPB has logged 102 complaints against Commercial Trade, Inc. to date, of which 8 came in over the last 12 months.

Does Commercial Trade, Inc. respond to complaints on time?

Commercial Trade, Inc. 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 Commercial Trade, Inc.?

The most complained-about product for Commercial Trade, Inc. is "Debt collection." You can view the full product breakdown on this page.

What is the most common complaint issue with Commercial Trade, Inc.?

The most common issue reported by consumers about Commercial Trade, Inc. is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.

How do I file a complaint against Commercial Trade, Inc.?

You can file a complaint against Commercial Trade, 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 Commercial Trade, Inc.?

The CFPB has recorded complaints against Commercial Trade, Inc. from 15 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.

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Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.