Total CFPB complaints
95
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 95 complaints
Creditor's Collection Service, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 15 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Creditor's Collection Service, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
20 complaints
- Written notification about debt
Written notification about debt
16 complaints
- Disclosure verification of debt
Disclosure verification of debt
12 complaints
- Communication tactics
Communication tactics
11 complaints
- False statements or representation
False statements or representation
9 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
8 complaints
C
Grade C · 61.3/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Creditor's Collection Service, Inc.?
Creditor's Collection Service, Inc. has accumulated 95 total CFPB complaints across 15 states, with 0 filed in the most recent 12 months against 95 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 "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 98% timely-response rate against a 16% 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 15 states, led by Virginia with 51 and North Carolina with 22, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 61.3/100 places Creditor's Collection Service, Inc. 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
0
0.0% of total history
Stable →
States active
15
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Consumer disputes
16%
After company response
Reputation grade
C
61.3/100 composite
Response-quality profile
How Creditor's Collection Service, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 97.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 31.6%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 26.8%
Share of US states + territories with at least one filed complaint against this collector.
How does Creditor's Collection Service, Inc. compare to its peers?
Creditor's Collection … 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)
2019-08 2023-04
Top Consumer Issues
Attempts to collect debt not owed20 (%)
Communication tactics11 (%)
Written notification about debt16 (%)
False statements or representation9 (%)
Disclosure verification of debt12 (%)
Cont'd attempts collect debt not owed8 (%)
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 | 12 |
| Communication tactics | Frequent or repeated calls | 11 |
| Written notification about debt | Didn't receive enough information to verify debt | 10 |
| False statements or representation | Attempted to collect wrong amount | 9 |
| Disclosure verification of debt | Not given enough info to verify debt | 8 |
| Attempts to collect debt not owed | Debt was paid | 8 |
| Written notification about debt | Didn't receive notice of right to dispute | 6 |
| Cont'd attempts collect debt not owed | Debt was paid | 5 |
| Disclosure verification of debt | Right to dispute notice not received | 4 |
| Cont'd attempts collect debt not owed | Debt is not mine | 3 |
Where do complaints against Creditor's Collection Service, Inc. come from?
The states where consumers have filed the most CFPB complaints against Creditor's Collection Service, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Creditor's Collection Service, Inc.
Across 15 states with at least one filing
- Virginia
Virginia
51 complaints
- North Carolina
North Carolina
22 complaints
- Florida 4
Florida
4 complaints
- West Virginia 3
West Virginia
3 complaints
- Wisconsin 2
Wisconsin
2 complaints
- New Jersey 2
New Jersey
2 complaints
- Pennsylvania 2
Pennsylvania
2 complaints
- Oklahoma 1
Oklahoma
1 complaints
Frequently Asked Questions
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. have been stable. The company received 0 complaints in the last 12 months.
What is Creditor's Collection Service, Inc.'s reputation grade? ▼
Creditor's Collection Service, Inc. has a reputation grade of C (score: 61.3/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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).
What can I do if Creditor's Collection Service, 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 Creditor's Collection Service, 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 |