What is the most common complaint against Credit Financial Services, lnc?

The most common issue consumers report about Credit Financial Services, lnc is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 15 complaints filed with the CFPB.

Are complaints against Credit Financial Services, lnc increasing or decreasing?

Complaints against Credit Financial Services, lnc are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Credit Financial Services, lnc's reputation grade?

Credit Financial Services, lnc has a reputation grade of B (score: 64.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Credit Financial Services, lnc respond to consumer complaints?

Credit Financial Services, lnc has a 93% timely response rate to CFPB complaints. Consumers disputed the company's response in 20% of cases.

In how many states does Credit Financial Services, lnc operate?

Credit Financial Services, lnc has received CFPB complaints from consumers in 7 states, with the most complaints from North Carolina (8 complaints).

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

Credit Financial Services, lnc - Debt Collector Complaint Profile

CFPB complaint profile across 7 states, reputation grade B.

Compiled by PlainCollector

Cont'd attempts collect debt not owed

5
Disclosure verification of debt

5
Communication tactics

2
Improper contact or sharing of info

2
False statements or representation

1

Data updated September 2026

CFPB complaint disposition

CCDB record credit-financial-services-lnc Credit Financial Services, lnc

Grade B · 15 CFPB filings · 93% timely · lead issue: Cont'd attempts collect debt not owed · vol #2126 · compose #1827

VOL 15
GRADE B
12MO 0
STATES 7
TIMELY 93%
DISPUTE 20%
ISSUE Cont'd attempts collect de…
RANK #2,126
COMPOSE #1,827

Volume peers

Nearest volume peer: Accounts Advocate Agency (15 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Credit Financial Services, lnc's 15 CFPB complaints sit next to Accounts Advocate Agency 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 →

State-heavy filing map

53.3% of Credit Financial Services, lnc's CFPB filings land in North Carolina

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state: North Carolina 53.3%; 8 of 15 filings · 7 states touched
Seasonal peak: 2020-09 10.0%; 8–15% band · 3 filings
Corpus ranks: #2,126 volume; #1,827 composite; Among 5,420 volume-ranked / 5,278 scored collectors

How does Credit Financial Services, lnc compare to its peers?

How does Credit Financial Services, lnc compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Credit Financial Servi… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

93%

100%

91%

Consumer-dispute ratelower is better

20%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2018-03 2026-02

Issue Detail Breakdown

Issue	Complaints
Cont'd attempts collect debt not owed	5
Disclosure verification of debt	5
Communication tactics	2
Improper contact or sharing of info	2
False statements or representation	1

Where do complaints against Credit Financial Services, lnc come from?

Credit Financial Services, lnc's own per-state count, not a national baseline.

North Carolina

8
South Carolina

2
Arizona

1
California

1
New Jersey

1
New York

1
Texas

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Credit Financial Services, lnc: 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: 15.

4 peers

Know your rights before responding to Credit Financial Services, lnc: 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.