Total CFPB complaints
10
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 10 complaints
DEBT CREDIT SERVICES — Debt Collector Complaint Profile
CFPB complaint profile across 7 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about DEBT CREDIT SERVICES
- Attempts to collect debt not owed
Attempts to collect debt not owed
4 complaints
- Written notification about debt
Written notification about debt
2 complaints
- False statements or representation 1
False statements or representation
1 complaints
- Communication tactics 1
Communication tactics
1 complaints
- Took or threatened to take negative or legal action 1
Took or threatened to take negative or legal action
1 complaints
- Cont'd attempts collect debt not owed 1
Cont'd attempts collect debt not owed
1 complaints
F
Grade F · 43.5/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about DEBT CREDIT SERVICES?
DEBT CREDIT SERVICES has accumulated 10 total CFPB complaints across 7 states, with 3 filed in the most recent 12 months against 7 historical complaints before that window. The trailing-12-month volume represents 30.0% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Written notification about debt", narrowing to "Didn't receive enough information to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 0% timely-response rate against a 0% 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 7 states, led by Ohio with 4 and Wisconsin with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 43.5/100 places DEBT CREDIT SERVICES 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
3
30.0% of total history
Rising ↑
States active
7
Distinct state filings
Timely response rate
0%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
F
43.5/100 composite
Response-quality profile
How DEBT CREDIT SERVICES performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 0.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
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 DEBT CREDIT SERVICES compare to its peers?
DEBT CREDIT SERVICES 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)
2017-03 2026-01
Top Consumer Issues
Written notification about debt2 (%)
Attempts to collect debt not owed4 (%)
False statements or representation1 (%)
Communication tactics1 (%)
Took or threatened to take negative or legal action1 (%)
Cont'd attempts collect debt not owed1 (%)
Most common issue: Written notification about debt — Didn't receive enough information to verify debt
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 |
|---|---|---|
| Written notification about debt | Didn't receive enough information to verify debt | 2 |
| Attempts to collect debt not owed | Debt was paid | 2 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
| Communication tactics | Frequent or repeated calls | 1 |
| Took or threatened to take negative or legal action | Sued you in a state where you do not live or did not sign for the debt | 1 |
| Cont'd attempts collect debt not owed | Debt was paid | 1 |
Where do complaints against DEBT CREDIT SERVICES come from?
The states where consumers have filed the most CFPB complaints against DEBT CREDIT SERVICES. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against DEBT CREDIT SERVICES
Across 7 states with at least one filing
- Ohio
Ohio
4 complaints
- Wisconsin 1
Wisconsin
1 complaints
- Georgia 1
Georgia
1 complaints
- New Jersey 1
New Jersey
1 complaints
- Arizona 1
Arizona
1 complaints
- Pennsylvania 1
Pennsylvania
1 complaints
- North Carolina 1
North Carolina
1 complaints
Frequently Asked Questions
What is the most common complaint against DEBT CREDIT SERVICES? ▼
The most common issue consumers report about DEBT CREDIT SERVICES is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 10 complaints filed with the CFPB.
Are complaints against DEBT CREDIT SERVICES increasing or decreasing? ▼
Complaints against DEBT CREDIT SERVICES are rising. The company received 3 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is DEBT CREDIT SERVICES's reputation grade? ▼
DEBT CREDIT SERVICES has a reputation grade of F (score: 43.5/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does DEBT CREDIT SERVICES respond to consumer complaints? ▼
DEBT CREDIT SERVICES has a 0% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does DEBT CREDIT SERVICES operate? ▼
DEBT CREDIT SERVICES has received CFPB complaints from consumers in 7 states, with the most complaints from Ohio (4 complaints).
What can I do if DEBT CREDIT SERVICES 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 DEBT CREDIT SERVICES 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 |