Consumer Credit Counseling Foundation (often branded as CCCF) is a nonprofit credit counseling agency that helps consumers manage and repay unsecured debt through budgeting assistance and structured debt management plans.
Consumer Credit Counseling Foundation, Inc. is a nonprofit financial counseling organization that operates under the brand name CCCF in multiple U.S. states. It provides credit and debt counseling, budget coaching, and debt management programs designed to help consumers reduce interest rates, consolidate unsecured debts into a single payment, and regain control over their finances. Clients typically work one-on-one with certified credit counselors who assess income, expenses, and debts to recommend a personalized action plan for becoming debt-free.([cccfusa.org](https://www.cccfusa.org/?utm_source=openai))
A charge labeled “CCCF” on a credit card or bank statement is likely associated with fees for a CCCF debt management program, an initial setup fee, or a related counseling service charge processed by Consumer Credit Counseling Foundation. As part of administering a debt management plan, CCCF may collect a single consolidated monthly payment and distribute funds to creditors, which can appear as recurring charges on the card or account you authorized. Some small test or verification transactions may also occur when you first enroll or change a payment method.([cccfusa.org](https://www.cccfusa.org/credit-counseling/?utm_source=openai))
If you do not recognize a CCCF charge, start by checking whether you (or someone in your household) recently enrolled in a credit counseling or debt management program, and review any enrollment paperwork or emails from CCCF/Consumer Credit Counseling Foundation. You can log into the CCCF client portal to view your account, upcoming payments, and creditor distributions, or contact their client services team directly using the phone number or contact options listed on their official website. If you still believe the charge is incorrect or unauthorized, ask CCCF for a detailed transaction explanation and then contact your card issuer to dispute the transaction or block further charges if necessary.([login.cccfusa.org](https://login.cccfusa.org/ClientDefault.aspx?utm_source=openai))
Bank Statement Variations
2 known variations
These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to Consumer Credit Counseling Foundation.
Why do I see a charge from “CCCF” on my credit card statement?
A charge labeled “CCCF” is likely from Consumer Credit Counseling Foundation, a nonprofit credit counseling agency that does business as CCCF in several states. The charge usually represents either an initial setup fee or a monthly program payment for a debt management plan or counseling service you authorized. Review your CCCF enrollment documents or portal account to confirm the amount and billing date.([cccfusa.org](https://www.cccfusa.org/credit-counseling/?utm_source=openai))
What types of fees does CCCF typically charge for its debt management programs?
CCCF generally charges a one-time setup fee and an ongoing monthly program fee to administer your debt management plan, in addition to the consolidated payment that is distributed to your creditors. The exact amounts depend on your state regulations, creditor mix, and program terms, and will be disclosed in the enrollment agreement and pre‑contract disclosures you receive.([cccfusa.org](https://www.cccfusa.org/credit-counseling/?utm_source=openai))
How can I confirm which debts are included in my CCCF program and match them to the CCCF charges?
Log into the CCCF client portal using the login link on cccfusa.org to view your current creditor list, balances, and scheduled payments. Compare the total monthly program amount shown in the portal with the CCCF charge on your card or bank statement. If something doesn’t match, contact CCCF client services and request a current creditor schedule and payment breakdown.([login.cccfusa.org](https://login.cccfusa.org/ClientDefault.aspx?utm_source=openai))
How do I change or cancel my CCCF debt management plan so that future CCCF charges stop?
To change or cancel your plan, you must contact CCCF directly—either through the client portal’s secure messaging or by calling their customer service number listed on cccfusa.org and in your enrollment documents. Ask to modify or terminate your debt management plan and confirm, in writing, the date on which automatic payments and CCCF charges will stop. Keep copies of all confirmations for your records.([cccfusa.org](https://www.cccfusa.org/credit-counseling/?utm_source=openai))
Can I get a refund for a CCCF fee that I believe was charged in error?
If you believe a CCCF fee is incorrect—for example, if you were billed after you thought you had cancelled—contact CCCF support immediately with the date, amount of the charge, and the last four digits of the card used. They can review your account history, verify your cancellation date or program status, and determine whether a partial or full refund is appropriate under their policies and your client agreement.([cccfusa.org](https://www.cccfusa.org/disclosures/?utm_source=openai))
Does CCCF ever place small test or temporary charges on my card?
CCCF may verify a new or updated payment method by authorizing a small test transaction when you enroll or change your card details. This can appear as a small pending amount and usually drops off automatically without posting as a permanent charge. If a small CCCF amount remains posted and you don’t understand it, contact CCCF to confirm whether it was a verification or a program-related fee.([cccfusa.org](https://www.cccfusa.org/credit-counseling/?utm_source=openai))
What should I do if I see a CCCF charge but never signed up for their services?
If you do not recognize CCCF and no one in your household has enrolled in a debt management program, first check with family members who may share your card. If no one authorized it, contact CCCF using the information on their official website to ask if they have an account under your name or card. If they confirm there is no legitimate account, immediately notify your bank or card issuer to report potential fraud, dispute the transaction, and request a replacement card.([cccfusa.org](https://www.cccfusa.org/disclosures/?utm_source=openai))
How can I contact CCCF about a question on my bill or to update my payment information?
You can reach Consumer Credit Counseling Foundation (CCCF) through the contact details provided on their official website, cccfusa.org, which include a toll‑free phone number and online contact options. Existing clients can also log into the secure member portal to send messages to the client service team, view upcoming payments, and update certain account details.([cccfusa.org](https://www.cccfusa.org/?utm_source=openai))
This merchant is in the Financial Services category