CFPB Consumer Complaint Profile
Credico. Inc
119 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
- 119
- Total complaints
- Mid-range
- 11
- Last 12 months
- 99.2%
- Timely response
- Above median
- 19
- States affected
The verdict
119 CFPB complaints put Credico. Inc at #1229 out of 3,843 financial companies ranked by complaint volume. It posts a 99.2% on-time response rate, the 64th percentile among companies with 100+ complaints.
- #1229
- of 3,843 companies by volume
- 99.2%
- on time (64th pctile)
- Debt collection
- most-complained product
- 19
- 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.
Credico. Inc vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.2% Higher than most higher than 64% 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
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 | 12 |
| 2015 | 10 |
| 2016 | 9 |
| 2017 | 19 |
| 2018 | 6 |
| 2019 | 9 |
| 2020 | 2 |
| 2021 | 9 |
| 2022 | 5 |
| 2023 | 10 |
| 2024 | 14 |
| 2025 | 13 |
| 2026year in progress | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Credico. Inc
119 complaints against Credico. Inc appear in the CFPB record, including 11 from the trailing year. The 19 states and territories represented put this footprint in multi-regional territory. The single largest complaint category is "Debt collection," 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 "False statements or representation" - 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, Credico. Inc posts a 99.2% reply rate on forwarded complaints. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. The company's response carried a 26.3% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. 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 Credico. Inc have?
119 complaints have been filed against Credico. Inc with the CFPB overall - 11 of them in the past year.
Does Credico. Inc respond to complaints on time?
CFPB complaints against Credico. Inc draw a 99.2% timely-response rate inside the expected window. This is considered excellent.
What product generates the most complaints for Credico. Inc?
Among all products tied to Credico. Inc, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Credico. Inc?
The most common issue reported by consumers about Credico. Inc is "False statements or representation." All complaint issues are listed above with their counts.
How do I file a complaint against Credico. Inc?
You can file a complaint against Credico. 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 Credico. Inc?
Credico. Inc has drawn CFPB complaints from 19 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 Credico. 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 (26.3% 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.