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

CFPB complaint data Grade D 627 complaints

Financial Credit Service, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 48 states, reputation grade D.

Complaints by issue type

What consumers report about Financial Credit Service, Inc.

complaints
Source CFPB Consumer Complaint Database
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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 #279

  • VOL 627
  • GRADE D
  • 12MO 0
  • STATES 48
  • TIMELY 92%
  • DISPUTE 11%
  • ISSUE Cont'd attempts collect de…
  • RANK #225
  • COMPOSE #279

Volume peers

Nearest volume peer: Avante (629 complaints)

Financial Credit Service, Inc. (this)Financial Credit Service, In…627AvanteAvante629Global Lending Services LLCGlobal Lending Services LLC630Capital Management Services, LPCapital Management Services,…632AMCOL Systems, Inc.AMCOL Systems, Inc.634
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 →

How the 627 complaints break down

Every complaint issue type on record for Financial Credit Service, Inc., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
52.7/100
Financial Credit Service, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
627
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
92%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
11%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

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

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. 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
Corpus ranks
#225 volume
#279 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

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 Service, Inc. National average
Complaints (last 12 mo)lower is better
0
94
268
Timely-response ratehigher is better
92%
96%
91%
Consumer-dispute ratelower is better
11%
8%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Financial Credit Service, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 60%70%80%90%100%110% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Financial Credit Service, Inc. vs. 9 similar-volume peers, by response speed and dispute rate Financial Credit Service, Inc.AVANTEGlobal Lending Services LLCCapital Management Services, LPIo, Inc.Millco ManagementAMCOL Systems, Inc.ResidentCollect, Inc.Northstar Location Services, LLCMerchants' Credit Guide Company
Source: CFPB Consumer Complaint Database

Financial Credit Service, Inc.'s complaint volume in context

Financial Credit Service, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

627 Top 4% higher than 96% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Financial Credit Service, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
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.

Top states by complaints against Financial Credit Service, Inc.

Across 48 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.