Total CFPB complaints
88
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 88 complaints
GFS II, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 13 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about GFS II, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
32 complaints
- False statements or representation
False statements or representation
15 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
15 complaints
- Written notification about debt
Written notification about debt
14 complaints
F
Grade F · 41.3/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about GFS II, LLC?
GFS II, LLC has accumulated 88 total CFPB complaints across 13 states, with 32 filed in the most recent 12 months against 56 historical complaints before that window. The trailing-12-month volume represents 36.4% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "False statements or representation", narrowing to "Attempted to collect wrong amount", 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 100% 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 13 states, led by Georgia with 15 and Ohio with 13, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 41.3/100 places GFS II, LLC in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
32
36.4% of total history
Rising ↑
States active
13
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
100%
After company response
Reputation grade
F
41.3/100 composite
Response-quality profile
How GFS II, LLC 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) 100.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 23.2%
Share of US states + territories with at least one filed complaint against this collector.
How does GFS II, LLC compare to its peers?
GFS II, LLC 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)
2023-11 2026-03
Top Consumer Issues
False statements or representation15 (%)
Attempts to collect debt not owed32 (%)
Written notification about debt14 (%)
Took or threatened to take negative or legal action15 (%)
Most common issue: False statements or representation — Attempted to collect wrong amount
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 |
|---|---|---|
| False statements or representation | Attempted to collect wrong amount | 15 |
| Attempts to collect debt not owed | Debt is not yours | 15 |
| Attempts to collect debt not owed | Debt was result of identity theft | 11 |
| Written notification about debt | Didn't receive enough information to verify debt | 7 |
| Written notification about debt | Didn't receive notice of right to dispute | 7 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 6 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 5 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 4 |
| Attempts to collect debt not owed | Debt was paid | 3 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 3 |
Where do complaints against GFS II, LLC come from?
The states where consumers have filed the most CFPB complaints against GFS II, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against GFS II, LLC
Across 13 states with at least one filing
- Georgia
Georgia
15 complaints
- Ohio
Ohio
13 complaints
- Illinois
Illinois
12 complaints
- Michigan
Michigan
12 complaints
- Indiana
Indiana
12 complaints
- Maryland
Maryland
8 complaints
- Missouri
Missouri
7 complaints
- Tennessee 4
Tennessee
4 complaints
Frequently Asked Questions
What is the most common complaint against GFS II, LLC? ▼
The most common issue consumers report about GFS II, LLC is "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 88 complaints filed with the CFPB.
Are complaints against GFS II, LLC increasing or decreasing? ▼
Complaints against GFS II, LLC are rising. The company received 32 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is GFS II, LLC's reputation grade? ▼
GFS II, LLC has a reputation grade of F (score: 41.3/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 13 states, with the most complaints from Georgia (15 complaints).
What can I do if GFS II, LLC 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 GFS II, LLC 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 |