What is the most common complaint against Creditors Specialty Service Inc?

The most common issue consumers report about Creditors Specialty Service Inc is "Cont'd attempts collect debt not owed", specifically "Debt was paid". This is based on 24 complaints filed with the CFPB.

Are complaints against Creditors Specialty Service Inc increasing or decreasing?

Complaints against Creditors Specialty Service Inc are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Creditors Specialty Service Inc's reputation grade?

Creditors Specialty Service Inc has a reputation grade of F (score: 39.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Creditors Specialty Service Inc respond to consumer complaints?

Creditors Specialty Service Inc has a 25% timely response rate to CFPB complaints. Consumers disputed the company's response in 12% of cases.

In how many states does Creditors Specialty Service Inc operate?

Creditors Specialty Service Inc has received CFPB complaints from consumers in 7 states, with the most complaints from California (14 complaints).

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

Creditors Specialty Service Inc - Debt Collector Complaint Profile

CFPB complaint profile across 7 states, reputation grade F.

Compiled by PlainCollector

Cont'd attempts collect debt not owed

6
Communication tactics

5
Written notification about debt

3
Took or threatened to take negative or legal action

3
False statements or representation

2
Improper contact or sharing of info

2

Data updated September 2026

CFPB complaint disposition

CCDB record creditors-specialty-service-inc Creditors Specialty Service Inc

Grade F · 24 CFPB filings · 25% timely · lead issue: Cont'd attempts collect debt not owed · vol #1733 · compose #4943

VOL 24
GRADE F
12MO 0
STATES 7
TIMELY 25%
DISPUTE 12%
ISSUE Cont'd attempts collect de…
RANK #1,733
COMPOSE #4,943

Volume peers

Nearest volume peer: Acceptance Rentals, Inc. (24 complaints)

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

Creditors Specialty Service Inc's 24 CFPB complaints sit next to Acceptance Rentals, Inc. 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

58.3% of Creditors Specialty Service Inc's CFPB filings land in California

High volume does not equal a clean composite: Creditors Specialty Service Inc is volume #1,733 but composite #4,943, while California dominates the geography. Corpus placement method.

Dominant state: California 58.3%; 14 of 24 filings · 7 states touched
Seasonal peak: 2019-10 14.3%; 8–15% band · 2 filings
Divergent corpus ranks: #1,733 volume; #4,943 composite; Cleanest-composite ladder is 3,210 places worse than volume

How does Creditors Specialty Service Inc compare to its peers?

How does Creditors Specialty 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

Creditors Specialty Se… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

25%

75%

91%

Consumer-dispute ratelower is better

12%

16%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2019-04 2022-07

Issue Detail Breakdown

Issue	Complaints
Cont'd attempts collect debt not owed	6
Communication tactics	5
Written notification about debt	3
Took or threatened to take negative or legal action	3
False statements or representation	2
Improper contact or sharing of info	2
Attempts to collect debt not owed	1
Disclosure verification of debt	1
Taking/threatening an illegal action	1

Where do complaints against Creditors Specialty Service Inc come from?

Creditors Specialty Service Inc's own per-state count, not a national baseline.

California

14
Oregon

4
Idaho

1
Kansas

1
Louisiana

1
New York

1
Pennsylvania

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Creditors Specialty 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: 24.

4 peers

Know your rights before responding to Creditors Specialty 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.