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

CFPB complaint data Grade F 66 complaints

DCI Credit Services, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 14 states, reputation grade F.

Complaints by issue type

What consumers report about DCI Credit Services, Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 51.5/100 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: DCI Credit Services, Inc. ranks ahead of 18% of the 5,283 collectors PlainCollector grades - 82% keep a cleaner CFPB record, on 66 all-time complaints and a 78% timely-response rate.

18th pct
reputation rank of 5,283 graded collectors
66
CFPB complaints, all-time
78%
answered inside the CFPB window
10
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 DCI Credit Services, Inc.?

DCI Credit Services, Inc. has accumulated 66 total CFPB complaints across 14 states, with 10 filed in the most recent 12 months against 56 historical complaints before that window. The trailing-12-month volume represents 15.2% 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 "Written notification about debt", narrowing to "Attempted to collect wrong amount". The company posts a 78% timely-response rate against a 33% consumer-dispute-after-response rate.

Complaints have been recorded across 14 states, led by North Dakota with 33 and Montana with 13. Normalized against the full CFPB collector database, the reputation score of 51.5/100 places DCI Credit Services, Inc. in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

66

low-volume (CCDB)

Last 12 months

10

15.2% of all-time complaints

Falling ↓

States active

14

regional footprint

Timely response rate

78%

acceptable band

Consumer disputes

33%

high (vertical avg ~19%)

Reputation grade

F

51.5/100 composite

How does DCI Credit Services, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

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

52 Bottom 18% higher than 18% 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%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 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

DCI Credit Services, Inc. versus the debt-collection vertical average.

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) 33.3%
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?

How does DCI Credit Services, Inc. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
DCI Credit Services, I… National average
Complaints (last 12 mo)lower is better
10
9
268
Timely-response ratehigher is better
78%
98%
91%
Consumer-dispute ratelower is better
33%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-03 2026-01

Issue Detail Breakdown

Issue Sub-Issue Complaints
Written notification about debt - 15
False statements or representation - 14
Took or threatened to take negative or legal action - 13
Attempts to collect debt not owed - 10
Threatened to contact someone or share information improperly - 6
Communication tactics - 5
Cont'd attempts collect debt not owed - 1
Disclosure verification of debt - 1
Improper contact or sharing of info - 1

Where do complaints against DCI Credit Services, Inc. come from?

DCI Credit Services, Inc.'s own per-state count, not a national baseline.

Top states by complaints against DCI Credit Services, Inc.

Across 14 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if DCI Credit Services, Inc. contacts you

A grade of F signals how DCI Credit Services, 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 DCI Credit Services, 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 DCI Credit Services, 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 DCI Credit Services, Inc.? ▼

The most common issue consumers report about DCI Credit Services, Inc. is "Written notification about debt", specifically "Attempted to collect wrong amount". This is based on 66 complaints filed with the CFPB.

Are complaints against DCI Credit Services, Inc. increasing or decreasing? ▼

Complaints against DCI Credit Services, Inc. are falling. The company received 10 complaints in the last 12 months, showing improvement over prior periods.

What is DCI Credit Services, Inc.'s reputation grade? ▼

DCI Credit Services, Inc. has a reputation grade of F (score: 51.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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 (33 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.