This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade F 21,515 complaints

CCS Financial Services, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 53 states, reputation grade F.

Complaints by issue type

What consumers report about CCS Financial Services, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record ccs-financial-services-inc CCS Financial Services, Inc.

Grade F · 21,515 CFPB filings · 83% timely · lead issue: Attempts to collect debt not owed · vol #8 · compose #414

  • VOL 21,515
  • GRADE F
  • 12MO 8,827
  • STATES 53
  • TIMELY 83%
  • DISPUTE 11%
  • ISSUE Attempts to collect debt n…
  • RANK #8
  • COMPOSE #414

Volume peers

Nearest volume peer: I.C. System, Inc. (18,629 complaints)

National Credit Systems,Inc.National Credit Systems,Inc.15,649Transworld Systems IncTransworld Systems Inc16,283Capital ONE Financial CorporationCapital ONE Financial Corpor…17,106I.C. System, Inc.I.C. System, Inc.18,629CCS Financial Services, Inc. (this)CCS Financial Services, Inc.…21,515
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

CCS Financial Services, Inc.'s 21,515 CFPB complaints sit next to I.C. System, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 21,515 complaints break down

Every complaint issue type on record for CCS Financial Services, Inc., not just the top ones shown above.

Reputation score breakdown

F
Composite reputation score
49.0/100
CCS Financial Services, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
21,515
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
83%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
11%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

CCS Financial Services, Inc. spreads filings across 53 states - Florida leads at only 14.4%

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Most-even geography
Lead state under 15%
Florida still leads at 14.4% across 53 states
Seasonal peak
2026-01 8.3%
8–15% band · 20 filings
Corpus ranks
#8 volume
#414 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does CCS Financial Services, Inc. compare to its peers?

How does CCS Financial Services, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
CCS Financial Services, Inc. National average
Complaints (last 12 mo)lower is better
8,827
5,990
268
Timely-response ratehigher is better
83%
100%
91%
Consumer-dispute ratelower is better
11%
6%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy CCS Financial Services, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 80%85%90%95%100%105% 0%5%10%15%20%25%30% Timely response rate (%) Dispute rate (%) CCS Financial Services, Inc. vs. 10 similar-volume peers, by response speed and dispute rate CCS Financial Services, Inc.I.C. System, Inc.CAPITAL ONE FINANCIAL CORPORATIONTRANSWORLD SYSTEMS INCNational Credit Systems,Inc.Kriya Capital, LLCSYNCHRONY FINANCIALCITIBANK, N.A.ERCBread Financial Holdings, Inc.CAINE & WEINER COMPANY, INC.
Source: CFPB Consumer Complaint Database

CCS Financial Services, Inc.'s complaint volume in context

CCS Financial Services, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

21,515 Top 1% higher than 100% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. CCS Financial Services, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
2024-04 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
10,535
Written notification about debt
4,128
Took or threatened to take negative or legal action
2,812
False statements or representation
2,373
Cont'd attempts collect debt not owed
630
Communication tactics
545
Disclosure verification of debt
212
Electronic communications
165
Threatened to contact someone or share information improperly
80
Improper contact or sharing of info
29

Where do complaints against CCS Financial Services, Inc. come from?

CCS Financial Services, Inc.'s own per-state count, not a national baseline.

Top states by complaints against CCS Financial Services, Inc.

Across 53 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for CCS Financial Services, Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 21,515.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 82.6335574733944%.

4 peers

Know your rights before responding to CCS Financial Services, Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.