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

CFPB complaint data Grade A 11 complaints

General Credit Service Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade A.

Complaints by issue type

What consumers report about General Credit Service Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

A

Grade A · 78.2/100 composite

This collector has an excellent complaint record, very few complaints relative to its size, with high response rates.

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

The verdict

A reputation grade of A: General Credit Service Inc. ranks ahead of 83% of the 5,283 collectors PlainCollector grades - 17% keep a cleaner CFPB record, on 11 all-time complaints and a 100% timely-response rate.

83rd pct
reputation rank of 5,283 graded collectors
11
CFPB complaints, all-time
100%
answered inside the CFPB window
1
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 General Credit Service Inc.?

General Credit Service Inc. has accumulated 11 total CFPB complaints across 2 states, with 1 filed in the most recent 12 months against 10 historical complaints before that window. The trailing-12-month volume represents 9.1% 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 "Written notification about debt", narrowing to "Didn't receive notice of right to dispute". The company posts a 100% timely-response rate against a 0% consumer-dispute-after-response rate.

Complaints have been recorded across 2 states, led by Oregon with 9 and California with 2. Normalized against the full CFPB collector database, the reputation score of 78.2/100 places General Credit Service Inc. in grade band A.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

11

low-volume (CCDB)

Last 12 months

1

9.1% of all-time complaints

Falling ↓

States active

2

limited footprint

Timely response rate

100%

excellent band

Consumer disputes

0%

low (vertical avg ~19%)

Reputation grade

A

78.2/100 composite

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

Reputation score vs. every graded collector

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

78 Top 17% higher than 83% 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%). Below this entry. 60–70: 1,364 graded collectors (26%). Below this entry. 70–80: 871 graded collectors (16%). This entry sits in this band. 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

General Credit Service Inc. versus the debt-collection vertical average.

Timely response within SLA 100.0%
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 3.6%

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

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, drawn from 10 collectors with a comparable complaint count
General Credit Service… National average
Complaints (last 12 mo)lower is better
1
5
268
Timely-response ratehigher is better
100%
100%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-06 2025-12

Issue Detail Breakdown

Issue Sub-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.

Top states by complaints against General Credit Service Inc.

Across 2 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if General Credit Service Inc. contacts you

A grade of A signals how General 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 General 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 General 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 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: 78.2/100), 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).

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.