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

Data updated July 2026

D

Grade D · 55.8/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Financial Credit Service, Inc. ranks ahead of 28% of the 5,283 collectors PlainCollector grades - 72% keep a cleaner CFPB record, on 627 all-time complaints and a 92% timely-response rate.

28th pct
reputation rank of 5,283 graded collectors
627
CFPB complaints, all-time
92%
answered inside the CFPB window
0
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 Financial Credit Service, Inc.?

Financial Credit Service, Inc. has accumulated 627 total CFPB complaints across 48 states, with 0 filed in the most recent 12 months against 627 historical complaints before that window. The trailing-12-month volume represents 0.0% 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 "Cont'd attempts collect debt not owed", narrowing to "Threatened to sue on too old debt". The company posts a 92% timely-response rate against a 11% consumer-dispute-after-response rate.

Complaints have been recorded across 48 states, led by Texas with 97 and California with 83. Normalized against the full CFPB collector database, the reputation score of 55.8/100 places Financial Credit Service, Inc. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

627

mid-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

48

multi-region footprint

Timely response rate

92%

good band

Consumer disputes

11%

average (vertical avg ~19%)

Reputation grade

D

55.8/100 composite

How does Financial Credit Service, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

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

56 28th percentile higher than 28% 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

Financial Credit Service, Inc. versus the debt-collection vertical average.

Timely response within SLA 91.7%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 11.3%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 85.7%

Share of US states + territories with at least one filed complaint against this collector.

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, drawn from 10 collectors with a comparable complaint count
Financial Credit Servi… 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.

Complaint Trend (24 months)

2017-09 2025-12

Issue Detail Breakdown

Issue Sub-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

What to do if Financial Credit Service, Inc. contacts you

A grade of D signals how Financial Credit Service, 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 Financial Credit Service, 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 Financial Credit Service, 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 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: 55.8/100), 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).

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.