CFPB Consumer Complaint Profile
Credits, Incorporated
Behind the 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 places #2538 by volume. Its on-time response record is at the 86th percentile among companies with 100+ complaints.
- Debt collection
- most-complained product
- OR
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
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
Reading this profile
Source: CFPB Consumer Complaint Database
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
In the CFPB record, Credits, Incorporated has a geographically concentrated complaint footprint. "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, the timely-response measure shows how often forwarded complaints get a reply. This company's rate is at or above benchmark levels, a sign it handles intake and escalation well. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
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.
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.
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.