Credit Concepts, Inc. Consumer Complaints
Credit Concepts, Inc. has received 64 consumer complaints filed with the Consumer Financial Protection Bureau. Below is a complete breakdown by product, issue, company response pattern, and geographic distribution.
Data last updated: Apr 16, 2026Key Takeaways
- 64 total complaints on file with the CFPB.
- Most complaints are about Vehicle loan or lease (24).
- Timely response rate: 92.2%.
- Consumer disputed rate: 0.0% of resolved complaints.
Complaints by Product
The following table shows how complaints against Credit Concepts, Inc. break down by financial product category.
| Product | Complaints | % of Total |
|---|---|---|
| Vehicle loan or lease | 24 | 37.5% |
| Credit reporting or other personal consumer reports | 12 | 18.8% |
| Credit reporting, credit repair services, or other personal consumer reports | 12 | 18.8% |
| Debt collection | 12 | 18.8% |
| Consumer Loan | 3 | 4.7% |
| Credit reporting | 1 | 1.6% |
Most Common Issues
These are the specific issues consumers most frequently report about Credit Concepts, Inc..
Company Response Breakdown
When consumers file complaints, Credit Concepts, Inc. responds in one of several ways. The breakdown below shows how Credit Concepts, Inc. has resolved complaints.
| Response | Count | Percentage |
|---|---|---|
| Closed with explanation | 61 | 95.3% |
| Closed with non-monetary relief | 2 | 3.1% |
| Closed with monetary relief | 1 | 1.6% |
Complaints by State
Top states where consumers have filed complaints against Credit Concepts, Inc..
| State | Complaints |
|---|---|
| Washington | 35 |
| Oregon | 12 |
| Nevada | 6 |
| Georgia | 3 |
| California | 2 |
| Arkansas | 1 |
| Colorado | 1 |
| Florida | 1 |
| Montana | 1 |
| New York | 1 |
| Texas | 1 |
Your Rights
What to do if you have a complaint against Credit Concepts, Inc.
- Contact Credit Concepts, Inc. directly. Many issues can be resolved by calling their customer service line or submitting a written complaint.
- File a complaint with the CFPB. Visit consumerfinance.gov/complaint. The company must respond within 15 days.
- File with your state attorney general. Your state AG's consumer protection division investigates patterns of complaint.
- Consult a consumer protection attorney. If you've suffered financial harm, an attorney can advise you on your legal options including potential lawsuits.
Frequently Asked Questions
-
How many complaints does Credit Concepts, Inc. have?
Credit Concepts, Inc. has 64 consumer complaints on file with the CFPB as of our last data refresh.
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What is the most common complaint about Credit Concepts, Inc.?
The most common issue reported is Incorrect information on your report with 16 complaints.
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How do I file a complaint against Credit Concepts, Inc.?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. The company is required to respond within 15 days. You can also contact your state attorney general or consult a consumer protection attorney.
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Does Credit Concepts, Inc. respond to complaints on time?
Credit Concepts, Inc. has a 92.2% timely response rate, meaning that percentage of complaints received a response within the CFPB's required timeframe.
Source: Consumer Financial Protection Bureau — Consumer Complaint Database. Accessed April 2026.