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

The most common issue consumers report about General Credit Service Inc. is "Written notification about debt", specifically "Didn't receive notice of right to dispute". This is based on 11 complaints filed with the CFPB.

Are complaints against General Credit Service Inc. increasing or decreasing?

Complaints against General Credit Service Inc. are falling. The company received 1 complaints in the last 12 months, showing improvement over prior periods.

What is General Credit Service Inc.'s reputation grade?

General Credit Service Inc. has a reputation grade of A (score: 73.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does General Credit Service Inc. respond to consumer complaints?

General Credit Service Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does General Credit Service Inc. operate?

General Credit Service Inc. has received CFPB complaints from consumers in 2 states, with the most complaints from Oregon (9 complaints).

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

General Credit Service Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade A.

Compiled by PlainCollector

Written notification about debt

5
Attempts to collect debt not owed

2
False statements or representation

1
Communication tactics

1
Cont'd attempts collect debt not owed

1
Disclosure verification of debt

1

Data updated September 2026

CFPB complaint disposition

CCDB record general-credit-service-inc General Credit Service Inc.

Grade A · 11 CFPB filings · 100% timely · lead issue: Written notification about debt · vol #2409 · compose #1031

VOL 11
GRADE A
12MO 1
STATES 2
TIMELY 100%
DISPUTE 0%
ISSUE Written notification about…
RANK #2,409
COMPOSE #1,031

Volume peers

Nearest volume peer: Accounts Interchange Group LLC (11 complaints)

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

General Credit Service Inc.'s 11 CFPB complaints sit next to Accounts Interchange Group LLC 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 →

State-heavy filing map

81.8% of General Credit Service Inc.'s CFPB filings land in Oregon

High volume does not equal a clean composite: General Credit Service Inc. is volume #2,409 but composite #1,031, while Oregon dominates the geography. Corpus placement method.

Dominant state: Oregon 81.8%; 9 of 11 filings · 2 states touched
Seasonal peak: 2019-07 11.1%; 8–15% band · 2 filings
Divergent corpus ranks: #2,409 volume; #1,031 composite; Cleanest-composite ladder is 1,378 places better than volume

How does General Credit Service Inc. compare to its peers?

How does General 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

General Credit Service… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-06 2025-12

Issue Detail Breakdown

Issue	Complaints
Written notification about debt	5
Attempts to collect debt not owed	2
False statements or representation	1
Communication tactics	1
Cont'd attempts collect debt not owed	1
Disclosure verification of debt	1

Where do complaints against General Credit Service Inc. come from?

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

Oregon

9
California

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for General 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: 11.

4 peers

Know your rights before responding to General 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.