Total CFPB complaints
63
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 63 complaints
DCI Credit Services, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 14 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about DCI Credit Services, Inc.
- Written notification about debt
Written notification about debt
13 complaints
- False statements or representation
False statements or representation
12 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
10 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
6 complaints
- Threatened to contact someone or share information improperly
Threatened to contact someone or share information improperly
6 complaints
- Communication tactics 4
Communication tactics
4 complaints
F
Grade F · 51.5/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about DCI Credit Services, Inc.?
DCI Credit Services, Inc. has accumulated 63 total CFPB complaints across 14 states, with 9 filed in the most recent 12 months against 54 historical complaints before that window. The trailing-12-month volume represents 14.3% 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 "False statements or representation", narrowing to "Attempted to collect wrong amount", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 78% timely-response rate against a 33% 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 14 states, led by North Dakota with 32 and Montana with 11, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 51.5/100 places DCI Credit Services, Inc. in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
9
14.3% of total history
Stable →
States active
14
Distinct state filings
Timely response rate
78%
Within CFPB SLA window
Consumer disputes
33%
After company response
Reputation grade
F
51.5/100 composite
Response-quality profile
How DCI Credit Services, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 77.8%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 66.7%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 25.0%
Share of US states + territories with at least one filed complaint against this collector.
How does DCI Credit Services, Inc. compare to its peers?
DCI Credit Services, I… 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)
2022-06 2025-12
Top Consumer Issues
False statements or representation12 (%)
Written notification about debt13 (%)
Attempts to collect debt not owed10 (%)
Communication tactics4 (%)
Took or threatened to take negative or legal action6 (%)
Threatened to contact someone or share information improperly6 (%)
Most common issue: False statements or representation — Attempted to collect wrong amount
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 |
|---|---|---|
| False statements or representation | Attempted to collect wrong amount | 12 |
| Written notification about debt | Didn't receive enough information to verify debt | 10 |
| Attempts to collect debt not owed | Debt is not yours | 6 |
| Attempts to collect debt not owed | Debt was paid | 4 |
| Communication tactics | Frequent or repeated calls | 4 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 3 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 3 |
| Written notification about debt | Didn't receive notice of right to dispute | 3 |
| Threatened to contact someone or share information improperly | Contacted your employer | 3 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 3 |
Where do complaints against DCI Credit Services, Inc. come from?
The states where consumers have filed the most CFPB complaints against DCI Credit Services, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against DCI Credit Services, Inc.
Across 14 states with at least one filing
- North Dakota
North Dakota
32 complaints
- Montana 11
Montana
11 complaints
- Minnesota 7
Minnesota
7 complaints
- Louisiana 2
Louisiana
2 complaints
- Iowa 1
Iowa
1 complaints
- Idaho 1
Idaho
1 complaints
- New Jersey 1
New Jersey
1 complaints
- North Carolina 1
North Carolina
1 complaints
Frequently Asked Questions
What is the most common complaint against DCI Credit Services, Inc.? ▼
The most common issue consumers report about DCI Credit Services, Inc. is "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 63 complaints filed with the CFPB.
Are complaints against DCI Credit Services, Inc. increasing or decreasing? ▼
Complaints against DCI Credit Services, Inc. have been stable. The company received 9 complaints in the last 12 months.
What is DCI Credit Services, Inc.'s reputation grade? ▼
DCI Credit Services, Inc. has a reputation grade of F (score: 51.5/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does DCI Credit Services, Inc. respond to consumer complaints? ▼
DCI Credit Services, Inc. has a 78% timely response rate to CFPB complaints. Consumers disputed the company's response in 33% of cases.
In how many states does DCI Credit Services, Inc. operate? ▼
DCI Credit Services, Inc. has received CFPB complaints from consumers in 14 states, with the most complaints from North Dakota (32 complaints).
What can I do if DCI Credit Services, 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 DCI Credit Services, 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 |