What is the most common complaint against GFS II, LLC?

The most common issue consumers report about GFS II, LLC is "Attempts to collect debt not owed", specifically "Attempted to collect wrong amount". This is based on 96 complaints filed with the CFPB.

Are complaints against GFS II, LLC increasing or decreasing?

Complaints against GFS II, LLC have been stable. The company received 26 complaints in the last 12 months.

What is GFS II, LLC's reputation grade?

GFS II, LLC has a reputation grade of F (score: 37.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does GFS II, LLC respond to consumer complaints?

GFS II, LLC has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 100% of cases.

In how many states does GFS II, LLC operate?

GFS II, LLC has received CFPB complaints from consumers in 14 states, with the most complaints from Georgia (15 complaints).

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

GFS II, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 14 states, reputation grade F.

Compiled by PlainCollector

Attempts to collect debt not owed

34
Took or threatened to take negative or legal action

23
False statements or representation

19
Written notification about debt

15
Communication tactics

3
Threatened to contact someone or share information improperly

1

Data updated September 2026

CFPB complaint disposition

CCDB record gfs-ii-llc GFS II, LLC

Grade F · 96 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #830 · compose #5030

VOL 96
GRADE F
12MO 26
STATES 14
TIMELY 100%
DISPUTE 100%
ISSUE Attempts to collect debt n…
RANK #830
COMPOSE #5,030

Volume peers

Nearest volume peer: Augusta Collection Agency, Inc. (96 complaints)

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

GFS II, LLC's 96 CFPB complaints sit next to Augusta Collection Agency, Inc. 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 →

Filing geometry

Georgia is the plurality state for GFS II, LLC (15.6%)

Volume rank #830 and composite rank #5,030 diverge by 4,200 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Georgia 15.6%; Mid-band (15–30%) · 14 states with ≥1 filing
Seasonal peak: 2025-03 11.4%; 8–15% band · 4 filings
Divergent corpus ranks: #830 volume; #5,030 composite; Cleanest-composite ladder is 4,200 places worse than volume

How does GFS II, LLC compare to its peers?

How does GFS II, LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

GFS II, LLC National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

89%

91%

Consumer-dispute ratelower is better

100%

50%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2021-01 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	34
Took or threatened to take negative or legal action	23
False statements or representation	19
Written notification about debt	15
Communication tactics	3
Threatened to contact someone or share information improperly	1
Improper contact or sharing of info	1

Where do complaints against GFS II, LLC come from?

GFS II, LLC's own per-state count, not a national baseline.

Georgia

15
Illinois

14
Michigan

14
Ohio

14
Indiana

12
Maryland

8
Missouri

7
Tennessee

4

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for GFS II, LLC: 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: 96.

4 peers

Know your rights before responding to GFS II, LLC: 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.