Total complaints
15
Filed since 15 U
2026 data Public-data reference. official source
charge offs
15 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
15 consumer complaints filed with the CFPB
This profile shows charge offs's complaint history from CFPB public records. 15 consumers have filed complaints since 15 U. The company has a 0% timely response rate and has provided relief in 0% of cases.
15
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
6
States Active
15 U
Since
Timely response
0%
CFPB-tracked response window
Relief rate
0%
Closed with monetary or non-monetary relief
Timely response rate 0.0%
Federal benchmark
CFPB benchmark: response within 15 calendar days of filing.
Relief rate 0.0%
Industry median
Share closed with monetary or non-monetary relief.
charge offs complaint mix by product
- Except as 3 20.0% – 0% relief
- Transunion and 3 20.0% – 0% relief
- chargeoffs 3 20.0% – 0% relief
- TransUnion 3 20.0% – 0% relief
- charge offs 2 13.3% – 0% relief
- collections 1 6.7% – 0% relief
How charge offs's 15 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Except as authorized under subsection ( b ) | 3 |
| Transunion and Equifax to obey these Laws FCRA 605B ( 15 U.S.C. 1681c-2 ) 15 USC. 1681 ( e ) ( b ) | 3 |
| chargeoffs | 3 |
| TransUnion | 3 |
| charge offs | 2 |
| collections | 1 |
Top States
| State | Complaints |
|---|---|
| and/or delinquent accounts. Charge offs are considered certificates of indebtedness | 3 |
| inquiries | 3 |
| and late payments appearing on my consumer credit report maintained by you were not opened | 3 |
| and closed accounts with debt created from the companies alone.. I have no knowledge of these accounts with debt because I understand it is already paid for. This is preventing me from being able to purchase a home | 3 |
| and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts | 2 |
| are a result of identity theft and fraud. I have attached a copy of my FTC identity theft report complaint # XXXX as proof of the US Federal Trade Commission that all the aforementioned consumer credit accounts | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| 15 USC 1681 | 3 |
| collections | 3 |
| TransUnion | 3 |
| charge offs | 2 |
| other than records of convictions of crimes which antedates the report by more than seven years. '' There are several adverse items within the reports furnished by XXXX | 2 |
| other than records of convictions of crimes which antedates the report by more than seven years. '' There are several adverse items within the reports furnished by Equifax | 1 |
| appearing on my consumer report maintained by you were not opened | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About charge offs
charge offs has accumulated 15 consumer complaints in the CFPB public database, with filings active across 6 U.S. states. Of those submissions, 11 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to 15 U, and the most recent logged activity is XXXXXXXX X, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, charge offs reports a 0% timely-response rate and has closed 6.7% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "Except as authorized under subsection ( b )", and the single most common underlying issue is "15 USC 1681".
Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating charge offs: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.
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Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Frequently Asked Questions
How many CFPB complaints does charge offs have?
charge offs has received 15 consumer complaints filed with the Consumer Financial Protection Bureau.
Does charge offs respond to complaints on time?
charge offs has a 0% timely response rate to CFPB complaints.
What is the most common complaint about charge offs?
The most common issue reported against charge offs is "15 USC 1681" in the "Except as authorized under subsection ( b )" product category.
Read our methodology — how this data is sourced, computed, and verified.
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