What is the most common complaint against Credit Lending Services Inc.?

The most common issue consumers report about Credit Lending Services Inc. is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 6 complaints filed with the CFPB.

Are complaints against Credit Lending Services Inc. increasing or decreasing?

Complaints against Credit Lending Services Inc. are rising. The company received 3 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Credit Lending Services Inc.'s reputation grade?

Credit Lending Services Inc. has a reputation grade of B (score: 66.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Credit Lending Services Inc. respond to consumer complaints?

Credit Lending Services Inc. has a 100% timely response rate to CFPB complaints.

In how many states does Credit Lending Services Inc. operate?

Credit Lending Services Inc. has received CFPB complaints from consumers in 2 states, with the most complaints from California (5 complaints).

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

Credit Lending Services Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade B.

Compiled by PlainCollector

Took or threatened to take negative or legal action

3
Communication tactics

2
Written notification about debt

1

Data updated September 2026

CFPB complaint disposition

CCDB record credit-lending-services-inc Credit Lending Services Inc.

Grade B · 6 CFPB filings · 100% timely · lead issue: Took or threatened to take negative or legal action · vol #2938 · compose #1672

VOL 6
GRADE B
12MO 3
STATES 2
TIMELY 100%
ISSUE Took or threatened to take…
RANK #2,938
COMPOSE #1,672

Volume peers

Nearest volume peer: 1 Stop Money Centers, LLC (6 complaints)

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

Credit Lending Services Inc.'s 6 CFPB complaints sit next to 1 Stop Money Centers, LLC 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

83.3% of Credit Lending Services Inc.'s CFPB filings land in California

High volume does not equal a clean composite: Credit Lending Services Inc. is volume #2,938 but composite #1,672, while California dominates the geography. Corpus placement method.

Dominant state: California 83.3%; 5 of 6 filings · 2 states touched
Spike month: 2017-04 25.0%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #2,938 volume; #1,672 composite; Cleanest-composite ladder is 1,266 places better than volume

How does Credit Lending Services Inc. compare to its peers?

How does Credit Lending 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

Credit Lending Service… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2017-04 2019-02

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	3
Communication tactics	2
Written notification about debt	1

Where do complaints against Credit Lending Services Inc. come from?

Credit Lending Services Inc.'s own per-state count, not a national baseline.

California

5
Arizona

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Credit Lending 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: 6.

4 peers

Know your rights before responding to Credit Lending 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.