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

CFPB complaint data Grade F 24 complaints

Creditors Specialty Service Inc - Debt Collector Complaint Profile

CFPB complaint profile across 7 states, reputation grade F.

Complaints by issue type

What consumers report about Creditors Specialty Service Inc

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 43.3/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: Creditors Specialty Service Inc ranks ahead of 6% of the 5,283 collectors PlainCollector grades - 94% keep a cleaner CFPB record, on 24 all-time complaints and a 25% timely-response rate.

6th pct
reputation rank of 5,283 graded collectors
24
CFPB complaints, all-time
25%
answered inside the CFPB window
0
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Creditors Specialty Service Inc?

Creditors Specialty Service Inc has accumulated 24 total CFPB complaints across 7 states, with 0 filed in the most recent 12 months against 24 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Cont'd attempts collect debt not owed", narrowing to "Debt was paid". The company posts a 25% timely-response rate against a 12% consumer-dispute-after-response rate.

Complaints have been recorded across 7 states, led by California with 14 and Oregon with 4. Normalized against the full CFPB collector database, the reputation score of 43.3/100 places Creditors Specialty Service Inc in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

24

low-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

7

regional footprint

Timely response rate

25%

below sla band

Consumer disputes

12%

average (vertical avg ~19%)

Reputation grade

F

43.3/100 composite

How does Creditors Specialty Service Inc's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

43 Bottom 6% higher than 6% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). This entry sits in this band. 50–60: 1,469 graded collectors (28%). Above this entry. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Creditors Specialty Service Inc versus the debt-collection vertical average.

Timely response within SLA 25.0%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 11.8%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 12.5%

Share of US states + territories with at least one filed complaint against this collector.

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, drawn from 10 collectors with a comparable complaint count
Creditors Specialty Se… National average
Complaints (last 12 mo)lower is better
0
0
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 Sub-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.

Top states by complaints against Creditors Specialty Service Inc

Across 7 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Creditors Specialty Service Inc contacts you

A grade of F signals how Creditors Specialty Service Inc's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Creditors Specialty Service Inc and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Creditors Specialty Service Inc ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 43.3/100), 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).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.