Total CFPB complaints
60
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 60 complaints
Credit Service Company — Debt Collector Complaint Profile
CFPB complaint profile across 12 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Credit Service Company
- Attempts to collect debt not owed
Attempts to collect debt not owed
22 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
14 complaints
- Written notification about debt 8
Written notification about debt
8 complaints
- False statements or representation 5
False statements or representation
5 complaints
- Communication tactics 4
Communication tactics
4 complaints
- Disclosure verification of debt 2
Disclosure verification of debt
2 complaints
F
Grade F · 35.2/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Credit Service Company?
Credit Service Company has accumulated 60 total CFPB complaints across 12 states, with 37 filed in the most recent 12 months against 23 historical complaints before that window. The trailing-12-month volume represents 61.7% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 7% timely-response rate against a 0% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 12 states, led by Texas with 35 and Oklahoma with 5, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 35.2/100 places Credit Service Company in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
37
61.7% of total history
Rising ↑
States active
12
Distinct state filings
Timely response rate
7%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
F
35.2/100 composite
Response-quality profile
How Credit Service Company performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 6.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 21.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Credit Service Company compare to its peers?
Credit Service Company National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2013-07 2026-02
Top Consumer Issues
Attempts to collect debt not owed22 (%)
Took or threatened to take negative or legal action14 (%)
Written notification about debt8 (%)
False statements or representation5 (%)
Communication tactics4 (%)
Disclosure verification of debt2 (%)
Cont'd attempts collect debt not owed1 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 20 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 14 |
| Written notification about debt | Didn't receive enough information to verify debt | 5 |
| False statements or representation | Attempted to collect wrong amount | 5 |
| Written notification about debt | Didn't receive notice of right to dispute | 3 |
| Attempts to collect debt not owed | Debt was paid | 2 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 2 |
| Communication tactics | Frequent or repeated calls | 2 |
| Disclosure verification of debt | Not given enough info to verify debt | 2 |
| Cont'd attempts collect debt not owed | Debt was paid | 1 |
Where do complaints against Credit Service Company come from?
The states where consumers have filed the most CFPB complaints against Credit Service Company. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Credit Service Company
Across 12 states with at least one filing
- Texas
Texas
35 complaints
- Oklahoma 5
Oklahoma
5 complaints
- Colorado 4
Colorado
4 complaints
- Montana 3
Montana
3 complaints
- Arkansas 3
Arkansas
3 complaints
- New Mexico 3
New Mexico
3 complaints
- Georgia 2
Georgia
2 complaints
- Indiana 1
Indiana
1 complaints
Frequently Asked Questions
What is the most common complaint against Credit Service Company? ▼
The most common issue consumers report about Credit Service Company is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 60 complaints filed with the CFPB.
Are complaints against Credit Service Company increasing or decreasing? ▼
Complaints against Credit Service Company are rising. The company received 37 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Credit Service Company's reputation grade? ▼
Credit Service Company has a reputation grade of F (score: 35.2/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does Credit Service Company respond to consumer complaints? ▼
Credit Service Company has a 7% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does Credit Service Company operate? ▼
Credit Service Company has received CFPB complaints from consumers in 12 states, with the most complaints from Texas (35 complaints).
What can I do if Credit Service Company is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Credit Service Company violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |