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

The most common issue consumers report about Credit Management Services, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 70 complaints filed with the CFPB.

Are complaints against Credit Management Services, Inc. increasing or decreasing?

Complaints against Credit Management Services, Inc. are falling. The company received 9 complaints in the last 12 months, showing improvement over prior periods.

What is Credit Management Services, Inc.'s reputation grade?

Credit Management Services, Inc. has a reputation grade of D (score: 53.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Credit Management Services, Inc. respond to consumer complaints?

Credit Management Services, Inc. has a 97% timely response rate to CFPB complaints. Consumers disputed the company's response in 36% of cases.

In how many states does Credit Management Services, Inc. operate?

Credit Management Services, Inc. has received CFPB complaints from consumers in 6 states, with the most complaints from Nebraska (58 complaints).

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

Credit Management Services, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 6 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

16
Written notification about debt

14
False statements or representation

9
Taking/threatening an illegal action

8
Took or threatened to take negative or legal action

7
Communication tactics

5

Data updated September 2026

CFPB complaint disposition

CCDB record credit-management-services-inc Credit Management Services, Inc.

Grade D · 70 CFPB filings · 97% timely · lead issue: Attempts to collect debt not owed · vol #1002 · compose #3619

VOL 70
GRADE D
12MO 9
STATES 6
TIMELY 97%
DISPUTE 36%
ISSUE Attempts to collect debt n…
RANK #1,002
COMPOSE #3,619

Volume peers

Nearest volume peer: Audit & Adjustment Co. Inc. (70 complaints)

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

Credit Management Services, Inc.'s 70 CFPB complaints sit next to Audit & Adjustment Co. 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 →

State-heavy filing map

82.9% of Credit Management Services, Inc.'s CFPB filings land in Nebraska

High volume does not equal a clean composite: Credit Management Services, Inc. is volume #1,002 but composite #3,619, while Nebraska dominates the geography. Corpus placement method.

Dominant state: Nebraska 82.9%; 58 of 70 filings · 6 states touched
Seasonal peak: 2019-07 10.0%; 8–15% band · 9 filings
Divergent corpus ranks: #1,002 volume; #3,619 composite; Cleanest-composite ladder is 2,617 places worse than volume

How does Credit Management Services, Inc. compare to its peers?

How does Credit Management 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 Management Serv… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

97%

91%

Consumer-dispute ratelower is better

36%

29%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2018-09 2020-10

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	16
Written notification about debt	14
False statements or representation	9
Taking/threatening an illegal action	8
Took or threatened to take negative or legal action	7
Communication tactics	5
Cont'd attempts collect debt not owed	4
Disclosure verification of debt	4
Improper contact or sharing of info	2
Threatened to contact someone or share information improperly	1

Where do complaints against Credit Management Services, Inc. come from?

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

Nebraska

58
Kansas

6
Virginia

2
Iowa

1
Rhode Island

1
Texas

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Credit Management 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: 70.

4 peers

Know your rights before responding to Credit Management 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.