CFPB Consumer Complaint Profile

Sentry Credit, Inc.

522 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

522
Total complaints
84
Last 12 months
96.4%
Timely response
39
States affected

The verdict

522 CFPB complaints put Sentry Credit, Inc. at #496 out of 3,848 financial companies ranked by complaint volume. Its on-time response rate is 96.4%, ahead of the 93% median among companies with 100+ complaints.

#496
of 3,848 companies by volume
96.4%
answered on time
Debt collection
most-complained product
39
states with complaints
Sentry Credit, Inc. timely response rate 96.4%
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 - Rental debt 130
Debt collection - I do not know 125
Debt collection - Other debt 72
Credit reporting or other personal consumer reports - Credit reporting 55
Debt collection - Credit card debt 37
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 29
Debt collection - Auto debt 14
Debt collection - Other (i.e. phone, health club, etc.) 13
Debt collection - Credit card 13
Debt collection - Medical debt 9

Top Issues

1.Attempts to collect debt not owed 186
2.Written notification about debt 80
3.False statements or representation 55
4.Incorrect information on your report 38
5.Improper use of your report 29
6.Cont'd attempts collect debt not owed 22
7.Took or threatened to take negative or legal action 21
8.Communication tactics 18
9.Problem with a company's investigation into an existing problem 14
10.Threatened to contact someone or share information improperly 13

Complaints by Year

Year Complaints
2013 8
2014 13
2015 13
2016 9
2017 29
2018 12
2019 9
2020 16
2021 35
2022 46
2023 60
2024 133
2025 139

Complaints by State (Top 15)

Texas 92
Florida 71
California 54
Georgia 47
Washington 38
Virginia 28
Illinois 20
Maryland 19
Pennsylvania 12
Nevada 11
Louisiana 11
North Carolina 9
Arizona 9
New York 9
Oregon 8

Company Responses

Closed with explanation 516
Closed with non-monetary relief 6

What the CFPB Complaint Record Shows for Sentry Credit, Inc.

522 complaints against Sentry Credit, Inc. appear in the CFPB record, including 84 from the trailing year. The 39 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. The specific issue named most within that category is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction.

Within the Bureau's 15-day response window, Sentry Credit, Inc. answers 96.4% of forwarded complaints. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Consumers formally disputed the company's response in 8.5% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. 1.1% of resolved complaints ended with some monetary or non-monetary relief for 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 Sentry Credit, Inc. have?

522 complaints have been filed against Sentry Credit, Inc. with the CFPB overall - 84 of them in the past year.

Does Sentry Credit, Inc. respond to complaints on time?

96.4% of the CFPB complaints against Sentry Credit, Inc. get a response within the expected window. That puts it among the more responsive companies in the CFPB dataset.

What product generates the most complaints for Sentry Credit, Inc.?

Among all products tied to Sentry Credit, Inc., "Debt collection" accounts for the largest share of complaints (full breakdown above).

What is the most common complaint issue with Sentry Credit, Inc.?

"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against Sentry Credit, Inc. - see all issues and counts above.

How do I file a complaint against Sentry Credit, Inc.?

You can file a complaint against Sentry Credit, 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 Sentry Credit, Inc.?

Consumers in 39 states and territories have filed complaints about Sentry Credit, Inc. with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.

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.