CFPB Consumer Complaint Profile
Credits, Incorporated
Behind the 26 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 26
- Total complaints
- Mid-range
- 12
- Last 12 months
- 100%
- Timely response
- Top decile
- 5
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Credits, Incorporated has accumulated 26 complaints, placing it #2538 by volume. Its on-time response rate is 100%, the 86th percentile among companies with 100+ complaints.
- #2538
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Debt collection
- most-complained product
- 5
- 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.
Credits, Incorporated vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% 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 |
|---|---|
| 2015 | 1 |
| 2018 | 3 |
| 2019 | 1 |
| 2020 | 3 |
| 2021 | 1 |
| 2022 | 2 |
| 2024 | 3 |
| 2025 | 4 |
| 2026year in progress | 8 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Credits, Incorporated
26 complaints against Credits, Incorporated appear in the CFPB record, including 12 from the trailing year. The 5 states and territories represented put this footprint in geographically concentrated territory. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "Written notification about debt," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, Credits, Incorporated posts a 100% reply rate on forwarded complaints. That is at or above benchmark levels, a sign the company handles intake and escalation well. The company's response carried a 100% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, the consumer-relief closure rate is 3.8%.
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 Credits, Incorporated have?
Credits, Incorporated has 26 total consumer complaints filed with the CFPB, with 12 filed in the last 12 months.
Does Credits, Incorporated respond to complaints on time?
Credits, Incorporated's CFPB timely-response rate is 100%. That is a strong response record by CFPB standards.
What product generates the most complaints for Credits, Incorporated?
The most complained-about product for Credits, Incorporated is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Credits, Incorporated?
"Written notification about debt" is the single most frequently cited issue in complaints against Credits, Incorporated - see all issues and counts above.
How do I file a complaint against Credits, Incorporated?
You can file a complaint against Credits, Incorporated 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 Credits, Incorporated?
The CFPB has recorded complaints against Credits, Incorporated from 5 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 Credits, Incorporated: 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 (100% 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.