Total complaints
8
Filed since 5 U.
2026 data Public-data reference. official source
credits
8 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
8 consumer complaints filed with the CFPB
This profile shows credits's complaint history from CFPB public records. 8 consumers have filed complaints since 5 U.. The company has a 0% timely response rate and has provided relief in 0% of cases.
8
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
6
States Active
5 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.
credits complaint mix by product
- I hereby 2 25.0% – 0% relief
- LLC a 1 12.5% – 0% relief
- XXXX XXXX 1 12.5% – 0% relief
- I have 1 12.5% – 0% relief
- XX/XX/2018 1 12.5% – 0% relief
- I am 1 12.5% – 0% relief
- a debt 1 12.5% – 0% relief
How credits's 8 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| I hereby request the following four ( 4 ) categories of documentation for each account listed above | 2 |
| LLC a complaint was filed against me. With the summons I received a copy of XXXX statement with a balance. I responded to the summons and requested by certified mail to Portfolio Recovery Associates | 1 |
| XXXX XXXX XXXX Date : XX/XX/year> Via Certified Mail Return Receipt Requested XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX CC ( notice only ) : Experian / XXXX / XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX | 1 |
| I have received no documentation establishing that SUNRISECRED has the legal authority to report or collect on this alleged debt. As such | 1 |
| XX/XX/2018 | 1 |
| I am entitled to request and receive full verification of this alleged debt before any collection activity can lawfully continue. Therefore | 1 |
| a debt collector shall provide to a consumer or any attorney for a consumer within five business days the following : ( a ) All papers or copies of papers and electronic records | 1 |
Top States
| State | Complaints |
|---|---|
| interest | 3 |
| charges with all signatures and PIN code authorizations on all alleged charges. The complete account. | 1 |
| payments ) from origination through charge-off. | 1 |
| and interest applied to the account ; Copies of any notices of assignment or transfer required by law to have been sent to me. | 1 |
| closing costs | 1 |
| and charges concerning the debt. | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| ownership | 2 |
| XXXX of custody and dates with collector XXXX correct order. Proof of contract from original creditor showing my signature to start the relationship with XXXX XXXX The demand letter from the original creditor. Privacy notice. Explanation on how Portfolio Recovery Associates | 1 |
| 12 C.F.R. 1022.43 Account # XXXX Dear Compliance Officer : This is a follow-up direct dispute of the XXXX tradeline furnished to the CRAs for Acct # XXXX. Your XX/XX/year> response to my CFPB complaint did not resolve the following : Amount discrepancy : You confirmed a {$560.00} principal | 1 |
| including all bills of sale | 1 |
| and then apologized due to working on multiple At this time | 1 |
| including a detailed breakdown of all interest | 1 |
| account card | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About credits
credits has accumulated 8 consumer complaints in the CFPB public database, with filings active across 6 U.S. states. Of those submissions, 7 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 5 U., and the most recent logged activity is XXXX XXXX , giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, credits reports a 0% timely-response rate and has closed 0% 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 "I hereby request the following four ( 4 ) categories of documentation for each account listed above", and the single most common underlying issue is "ownership".
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 credits: 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 credits have?
credits has received 8 consumer complaints filed with the Consumer Financial Protection Bureau.
Does credits respond to complaints on time?
credits has a 0% timely response rate to CFPB complaints.
What is the most common complaint about credits?
The most common issue reported against credits is "ownership" in the "I hereby request the following four ( 4 ) categories of documentation for each account listed above" product category.
Read our methodology — how this data is sourced, computed, and verified.
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