What is the most common complaint against CCS Financial Services, Inc.?

The most common issue consumers report about CCS Financial Services, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 21,515 complaints filed with the CFPB.

Are complaints against CCS Financial Services, Inc. increasing or decreasing?

Complaints against CCS Financial Services, Inc. are rising. The company received 8,827 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is CCS Financial Services, Inc.'s reputation grade?

CCS Financial Services, Inc. has a reputation grade of F (score: 49.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does CCS Financial Services, Inc. respond to consumer complaints?

CCS Financial Services, Inc. has a 83% timely response rate to CFPB complaints. Consumers disputed the company's response in 11% of cases.

In how many states does CCS Financial Services, Inc. operate?

CCS Financial Services, Inc. has received CFPB complaints from consumers in 53 states, with the most complaints from Florida (3,093 complaints).

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

CCS Financial Services, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 53 states, reputation grade F.

Compiled by PlainCollector

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

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 #4228

VOL 21,515
GRADE F
12MO 8,827
STATES 53
TIMELY 83%
DISPUTE 11%
ISSUE Attempts to collect debt n…
RANK #8
COMPOSE #4,228

Volume peers

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

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 →

Distributed filing map

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

Despite a broad state map, CCS Financial Services, Inc. still sits volume #8 against composite #4,228 - the two RankMaps diverge by 4,220 places. 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
Divergent corpus ranks: #8 volume; #4,228 composite; Cleanest-composite ladder is 4,220 places worse than volume

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… 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%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Florida

3,093
Texas

2,361
Georgia

2,308
California

1,385
Pennsylvania

1,122
New York

858
North Carolina

837
Illinois

830

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.