What is the most common complaint against Financial Credit Service, Inc.?

The most common issue consumers report about Financial Credit Service, Inc. is "Cont'd attempts collect debt not owed", specifically "Threatened to sue on too old debt". This is based on 627 complaints filed with the CFPB.

Are complaints against Financial Credit Service, Inc. increasing or decreasing?

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

What is Financial Credit Service, Inc.'s reputation grade?

Financial Credit Service, Inc. has a reputation grade of D (score: 52.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Financial Credit Service, Inc. respond to consumer complaints?

Financial Credit Service, Inc. has a 92% timely response rate to CFPB complaints. Consumers disputed the company's response in 11% of cases.

In how many states does Financial Credit Service, Inc. operate?

Financial Credit Service, Inc. has received CFPB complaints from consumers in 48 states, with the most complaints from Texas (97 complaints).

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

Financial Credit Service, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 48 states, reputation grade D.

Compiled by PlainCollector

Cont'd attempts collect debt not owed

126
Taking/threatening an illegal action

121
Communication tactics

97
Attempts to collect debt not owed

90
Took or threatened to take negative or legal action

81
False statements or representation

42

Data updated September 2026

CFPB complaint disposition

CCDB record financial-credit-service-inc Financial Credit Service, Inc.

Grade D · 627 CFPB filings · 92% timely · lead issue: Cont'd attempts collect debt not owed · vol #225 · compose #3765

VOL 627
GRADE D
12MO 0
STATES 48
TIMELY 92%
DISPUTE 11%
ISSUE Cont'd attempts collect de…
RANK #225
COMPOSE #3,765

Volume peers

Nearest volume peer: Avante (629 complaints)

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

Financial Credit Service, Inc.'s 627 CFPB complaints sit next to Avante 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 →

Filing geometry

Texas is the plurality state for Financial Credit Service, Inc. (15.5%)

Volume rank #225 and composite rank #3,765 diverge by 3,540 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Texas 15.5%; Mid-band (15–30%) · 48 states with ≥1 filing
Seasonal peak: 2024-06 9.5%; 8–15% band · 2 filings
Divergent corpus ranks: #225 volume; #3,765 composite; Cleanest-composite ladder is 3,540 places worse than volume

How does Financial Credit Service, Inc. compare to its peers?

How does Financial Credit 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

Financial Credit Servi… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

92%

96%

91%

Consumer-dispute ratelower is better

11%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2017-09 2025-12

Issue Detail Breakdown

Issue	Complaints
Cont'd attempts collect debt not owed	126
Taking/threatening an illegal action	121
Communication tactics	97
Attempts to collect debt not owed	90
Took or threatened to take negative or legal action	81
False statements or representation	42
Disclosure verification of debt	29
Improper contact or sharing of info	22
Written notification about debt	14
Threatened to contact someone or share information improperly	5

Where do complaints against Financial Credit Service, Inc. come from?

Financial Credit Service, Inc.'s own per-state count, not a national baseline.

Texas

97
California

83
Florida

57
Georgia

25
Virginia

22
New York

21
Washington

19
Ohio

18

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Financial Credit 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: 627.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 91.70653907496012%.

4 peers

Know your rights before responding to Financial Credit 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.