CFPB Consumer Complaint Profile

Credit Collections U.S.A., L.L.C.

182 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

182
Total complaints
14
Last 12 months
12.6%
Timely response
22
States affected

The verdict

Credit Collections U.S.A., L.L.C. ranks #995 of 3,848 financial companies by CFPB complaint volume, with 182 complaints on record. It answers 12.6% of complaints on time - below the 93% median for companies with 100+ complaints.

#995
of 3,848 companies by volume
12.6%
answered on time
Debt collection
most-complained product
22
states with complaints
Credit Collections U.S.A., L.L.C. timely response rate 12.6%
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 - Medical debt 80
Debt collection - I do not know 33
Debt collection - Medical 31
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 20
Debt collection - Other debt 12
Debt collection - Other (i.e. phone, health club, etc.) 3
Credit reporting or other personal consumer reports - Credit reporting 2
Debt collection - Auto 1

Top Issues

1.Written notification about debt 54
2.Attempts to collect debt not owed 46
3.Cont'd attempts collect debt not owed 22
4.False statements or representation 16
5.Incorrect information on your report 13
6.Problem with a credit reporting company's investigation into an existing problem 8
7.Disclosure verification of debt 7
8.Communication tactics 6
9.Took or threatened to take negative or legal action 5
10.Taking/threatening an illegal action 2

Complaints by Year

Year Complaints
2014 1
2015 18
2016 13
2017 31
2018 31
2019 16
2020 18
2021 17
2022 15
2023 7
2024 1
2025 11
2026 3

Complaints by State (Top 15)

Florida 69
Pennsylvania 34
West Virginia 32
Maryland 14
Texas 4
Virginia 3
Illinois 3
Georgia 3
California 3
Connecticut 1
Kentucky 1
Arizona 1
Ohio 1
Louisiana 1
Kansas 1

Company Responses

Closed with explanation 118
Untimely response 62
Closed 2

What the CFPB Complaint Record Shows for Credit Collections U.S.A., L.L.C.

182 complaints against Credit Collections U.S.A., L.L.C. appear in the CFPB record, including 14 from the trailing year. The 22 states and territories represented put this footprint in multi-regional territory. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. Inside that category, "Written notification about debt" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.

Credit Collections U.S.A., L.L.C.'s timely response rate stands at 12.6%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That trails the 95% benchmark badly, a red flag given how strongly late or missing responses predict CFPB supervisory attention. Consumers formally disputed the company's response in 10.3% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Of complaints that were resolved, 0% closed with some form of monetary or non-monetary relief to 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 Credit Collections U.S.A., L.L.C. have?

The CFPB has logged 182 complaints against Credit Collections U.S.A., L.L.C. to date, of which 14 came in over the last 12 months.

Does Credit Collections U.S.A., L.L.C. respond to complaints on time?

Credit Collections U.S.A., L.L.C.'s CFPB timely-response rate is 12.6%. This is below the typical industry benchmark of 95%.

What product generates the most complaints for Credit Collections U.S.A., L.L.C.?

"Debt collection" draws more CFPB complaints against Credit Collections U.S.A., L.L.C. than any other product - see the full breakdown above.

What is the most common complaint issue with Credit Collections U.S.A., L.L.C.?

The most common issue reported by consumers about Credit Collections U.S.A., L.L.C. is "Written notification about debt." All complaint issues are listed above with their counts.

How do I file a complaint against Credit Collections U.S.A., L.L.C.?

You can file a complaint against Credit Collections U.S.A., L.L.C. 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 Credit Collections U.S.A., L.L.C.?

The CFPB has recorded complaints against Credit Collections U.S.A., L.L.C. from 22 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.

Similar Companies

Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

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

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