Total CFPB complaints
5
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 5 complaints
Credit Services, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 2 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Credit Services, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
2 complaints
- Written notification about debt
Written notification about debt
1 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
1 complaints
- Communication tactics
Communication tactics
1 complaints
B
Grade B · 70.3/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about Credit Services, Inc.?
Credit Services, Inc. has accumulated 5 total CFPB complaints across 2 states, with 0 filed in the most recent 12 months against 5 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Written notification about debt", narrowing to "Didn't receive enough information to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 2 states, led by Michigan with 3 and Florida with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 70.3/100 places Credit Services, Inc. in grade band B, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
2
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
B
70.3/100 composite
Response-quality profile
How Credit Services, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 3.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Credit Services, Inc. compare to its peers?
Credit Services, Inc. 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)
2018-12 2023-03
Top Consumer Issues
Written notification about debt1 (%)
Took or threatened to take negative or legal action1 (%)
Attempts to collect debt not owed2 (%)
Communication tactics1 (%)
Most common issue: Written notification about debt — Didn't receive enough information to verify debt
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 |
|---|---|---|
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
| Attempts to collect debt not owed | Debt was paid | 1 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 1 |
Where do complaints against Credit Services, Inc. come from?
The states where consumers have filed the most CFPB complaints against Credit Services, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Credit Services, Inc.
Across 2 states with at least one filing
- Michigan
Michigan
3 complaints
- Florida
Florida
2 complaints
Frequently Asked Questions
What is the most common complaint against Credit Services, Inc.? ▼
The most common issue consumers report about Credit Services, Inc. is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 5 complaints filed with the CFPB.
Are complaints against Credit Services, Inc. increasing or decreasing? ▼
Complaints against Credit Services, Inc. have been stable. The company received 0 complaints in the last 12 months.
What is Credit Services, Inc.'s reputation grade? ▼
Credit Services, Inc. has a reputation grade of B (score: 70.3/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does Credit Services, Inc. respond to consumer complaints? ▼
Credit Services, Inc. has a 100% timely response rate to CFPB complaints.
In how many states does Credit Services, Inc. operate? ▼
Credit Services, Inc. has received CFPB complaints from consumers in 2 states, with the most complaints from Michigan (3 complaints).
What can I do if Credit Services, Inc. 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 Services, Inc. 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 |