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 2026-08-14
- 182
- Total complaints
- Mid-range
- 14
- Last 12 months
- 12.6%
- Timely response
- Bottom decile
- 22
- States affected
The verdict
Credit Collections U.S.A., L.L.C. ranks #993 of 3,843 financial companies by CFPB complaint volume, with 182 complaints on record. It posts a 12.6% on-time response rate, the 1st percentile among companies with 100+ complaints.
- #993
- of 3,843 companies by volume
- 12.6%
- on time (1st pctile)
- Debt collection
- most-complained product
- 22
- 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.
Credit Collections U.S.A., L.L.C. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
12.6% Among the lowest higher than 1% 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 1 in 2024 to 11 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 |
|---|---|
| 2014 | 1 |
| 2015 | 18 |
| 2016 | 13 |
| 2017 | 31 |
| 2018 | 31 |
| 2019 | 16 |
| 2020 | 18 |
| 2021 | 17 |
| 2022 | 15 |
| 2023 | 7 |
| 2024 | 1 |
| 2025 | 11 |
| 2026year in progress | 3 |
Complaints by State (Top 15)
Company Responses
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 at a 10.3% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, 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, 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 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Credit Collections U.S.A., L.L.C.: 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 (10.3% 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.