What is the most common complaint against Creditor's Collection Service, Inc.?

The most common issue consumers report about Creditor's Collection Service, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 95 complaints filed with the CFPB.

Are complaints against Creditor's Collection Service, Inc. increasing or decreasing?

Complaints against Creditor's Collection Service, Inc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Creditor's Collection Service, Inc.'s reputation grade?

Creditor's Collection Service, Inc. has a reputation grade of C (score: 57.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Creditor's Collection Service, Inc. respond to consumer complaints?

Creditor's Collection Service, Inc. has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 16% of cases.

In how many states does Creditor's Collection Service, Inc. operate?

Creditor's Collection Service, Inc. has received CFPB complaints from consumers in 15 states, with the most complaints from Virginia (51 complaints).

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

Creditor's Collection Service, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 15 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

23
Written notification about debt

19
Communication tactics

15
Disclosure verification of debt

13
Cont'd attempts collect debt not owed

12
False statements or representation

10

Data updated September 2026

CFPB complaint disposition

CCDB record creditor-s-collection-service-inc Creditor's Collection Service, Inc.

Grade C · 95 CFPB filings · 98% timely · lead issue: Attempts to collect debt not owed · vol #836 · compose #2702

VOL 95
GRADE C
12MO 0
STATES 15
TIMELY 98%
DISPUTE 16%
ISSUE Attempts to collect debt n…
RANK #836
COMPOSE #2,702

Volume peers

Nearest volume peer: Advance Bureau of Collections (95 complaints)

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

Creditor's Collection Service, Inc.'s 95 CFPB complaints sit next to Advance Bureau of Collections 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

53.7% of Creditor's Collection Service, Inc.'s CFPB filings land in Virginia

High volume does not equal a clean composite: Creditor's Collection Service, Inc. is volume #836 but composite #2,702, while Virginia dominates the geography. Corpus placement method.

Dominant state: Virginia 53.7%; 51 of 95 filings · 15 states touched
Spike month: 2015-04 19.4%; 20 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #836 volume; #2,702 composite; Cleanest-composite ladder is 1,866 places worse than volume

How does Creditor's Collection Service, Inc. compare to its peers?

How does Creditor's Collection Service, 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

Creditor's Collection … National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

98%

91%

Consumer-dispute ratelower is better

16%

18%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-02 2015-08

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	23
Written notification about debt	19
Communication tactics	15
Disclosure verification of debt	13
Cont'd attempts collect debt not owed	12
False statements or representation	10
Took or threatened to take negative or legal action	1
Threatened to contact someone or share information improperly	1
Improper contact or sharing of info	1

Where do complaints against Creditor's Collection Service, Inc. come from?

Creditor's Collection Service, Inc.'s own per-state count, not a national baseline.

Virginia

51
North Carolina

22
Florida

4
West Virginia

3
New Jersey

2
Pennsylvania

2
Wisconsin

2
Arizona

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Creditor's Collection Service, 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: 95.

4 peers

Know your rights before responding to Creditor's Collection Service, 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.