Debt collection
Credits debt collection complaints
Consumers have filed 28 complaints about Credits's debt collection, 13 in the last 12 months. Credits answered 100% on time and closed 0% with relief. See the whole Credits record.
Credits against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | Credits | 13 | 100% | 0% |
Latest Credits debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Apr 21, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Mar 19, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Mar 11, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Mar 9, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Mar 7, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Feb 18, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Feb 3, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jan 20, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jan 12, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jan 6, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jan 6, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Dec 22, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Dec 16, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Sep 28, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Aug 2, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jun 16, 2024 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| May 6, 2024 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Mar 15, 2024 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 2, 2022 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jun 15, 2022 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 29, 2021 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Jul 30, 2020 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| May 26, 2020 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Aug 15, 2019 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Nov 8, 2018 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| May 15, 2018 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| May 12, 2018 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Aug 10, 2015 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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