Total CFPB complaints
7
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 7 complaints
Credit Services of Michigan — Debt Collector Complaint Profile
CFPB complaint profile across 3 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Credit Services of Michigan
- Attempts to collect debt not owed
Attempts to collect debt not owed
4 complaints
- Written notification about debt
Written notification about debt
2 complaints
- Took or threatened to take negative or legal action 1
Took or threatened to take negative or legal action
1 complaints
C
Grade C · 63.7/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Credit Services of Michigan?
Credit Services of Michigan has accumulated 7 total CFPB complaints across 3 states, with 1 filed in the most recent 12 months against 6 historical complaints before that window. The trailing-12-month volume represents 14.3% 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 86% 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 3 states, led by Michigan with 5 and Texas with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 63.7/100 places Credit Services of Michigan in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
1
14.3% of total history
Rising ↑
States active
3
Distinct state filings
Timely response rate
86%
Within CFPB SLA window
Reputation grade
C
63.7/100 composite
Response-quality profile
How Credit Services of Michigan performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 85.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 5.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Credit Services of Michigan compare to its peers?
Credit Services of Mic… 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)
2021-05 2025-11
Top Consumer Issues
Attempts to collect debt not owed4 (%)
Written notification about debt2 (%)
Took or threatened to take negative or legal action1 (%)
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 | 3 |
| Written notification about debt | Didn't receive enough information to verify debt | 2 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 1 |
Where do complaints against Credit Services of Michigan come from?
The states where consumers have filed the most CFPB complaints against Credit Services of Michigan. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Credit Services of Michigan
Across 3 states with at least one filing
- Michigan
Michigan
5 complaints
- Texas 1
Texas
1 complaints
- Florida 1
Florida
1 complaints
Frequently Asked Questions
What is the most common complaint against Credit Services of Michigan? ▼
The most common issue consumers report about Credit Services of Michigan is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 7 complaints filed with the CFPB.
Are complaints against Credit Services of Michigan increasing or decreasing? ▼
Complaints against Credit Services of Michigan are rising. The company received 1 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Credit Services of Michigan's reputation grade? ▼
Credit Services of Michigan has a reputation grade of C (score: 63.7/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Credit Services of Michigan respond to consumer complaints? ▼
Credit Services of Michigan has a 86% timely response rate to CFPB complaints.
In how many states does Credit Services of Michigan operate? ▼
Credit Services of Michigan has received CFPB complaints from consumers in 3 states, with the most complaints from Michigan (5 complaints).
What can I do if Credit Services of Michigan 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 of Michigan 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 |