Total CFPB complaints
10
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 10 complaints
General Credit Service Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 2 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about General Credit Service Inc.
- Written notification about debt
Written notification about debt
5 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
2 complaints
- Disclosure verification of debt 1
Disclosure verification of debt
1 complaints
- Cont'd attempts collect debt not owed 1
Cont'd attempts collect debt not owed
1 complaints
- Communication tactics 1
Communication tactics
1 complaints
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.
What do CFPB complaints reveal about General Credit Service Inc.?
General Credit Service Inc. has accumulated 10 total CFPB complaints across 2 states, with 0 filed in the most recent 12 months against 10 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Written notification about debt", narrowing to "Didn't receive notice of right to dispute", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 0% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 2 states, led by Oregon with 8 and California with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 78.2/100 places General Credit Service Inc. in grade band A, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
2
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
A
78.2/100 composite
Response-quality profile
How General Credit Service Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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?
General Credit Service… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2015-09 2023-08
Top Consumer Issues
Written notification about debt5 (%)
Attempts to collect debt not owed2 (%)
Disclosure verification of debt1 (%)
Cont'd attempts collect debt not owed1 (%)
Communication tactics1 (%)
Most common issue: Written notification about debt — Didn't receive notice of right to dispute
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Written notification about debt | Didn't receive notice of right to dispute | 4 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
| Attempts to collect debt not owed | Debt was paid | 1 |
| Disclosure verification of debt | Not given enough info to verify debt | 1 |
| Cont'd attempts collect debt not owed | Debt was paid | 1 |
| Communication tactics | Frequent or repeated calls | 1 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
Where do complaints against General Credit Service Inc. come from?
The states where consumers have filed the most CFPB complaints against General Credit Service Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against General Credit Service Inc.
Across 2 states with at least one filing
- Oregon
Oregon
8 complaints
- California 2
California
2 complaints
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 10 complaints filed with the CFPB.
Are complaints against General Credit Service Inc. increasing or decreasing? ▼
Complaints against General Credit Service Inc. have been stable. The company received 0 complaints in the last 12 months.
What is General Credit Service Inc.'s reputation grade? ▼
General Credit Service Inc. has a reputation grade of A (score: 78.2/100). This collector has an excellent complaint record — very few complaints relative to its size, with high response rates.
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 (8 complaints).
What can I do if General Credit Service Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If General Credit Service Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |