Alabama Central — Consumer Response Profile

How this company responds to consumer inquiries (CFPB data) • Period: 2023-present • Last verified: 2026-03-22

Resolution Rate
99.8%

Consumer inquiries resolved successfully

Timely Response
94.1%

Responded within 15-day window

Total Interactions
490

Consumer interactions on record

Services Used by Consumers

Debt collection 43.9%
Credit reporting or other personal consumer reports 19.0%
Consumer Loan 12.4%
Credit reporting, credit repair services, or other personal consumer reports 10.0%
Payday loan, title loan, or personal loan 6.9%

Consumer Feedback Categories

Incorrect information on your report 16.3%
Attempts to collect debt not owed 16.1%
Problems when you are unable to pay 9.8%
Communication tactics 9.2%
Problem with a company's investigation into an existing problem 6.9%

Response Breakdown

Closed with explanation 484 (98.8%)
In progress 4 (0.8%)
Closed with monetary relief 1 (0.2%)
Untimely response 1 (0.2%)

Understanding This Data

The Consumer Financial Protection Bureau (CFPB) tracks how financial companies respond to consumer inquiries. This profile shows Alabama Central's responsiveness and resolution track record.

  • Resolution Rate — How often the company resolves consumer inquiries with a satisfactory outcome (monetary or non-monetary relief).
  • Timely Response Rate — How consistently the company responds within the required 15-day window — a sign of operational responsiveness.
  • Services Used — Which product categories consumers interact with most frequently.
  • Feedback Categories — The types of inquiries consumers submit most often.

Higher resolution and timely response rates indicate strong consumer service operations. Volume of interactions is not a quality indicator — larger, more established companies naturally handle more consumer inquiries.

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