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

CFPB complaint data Grade F 96 complaints

GFS II, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 14 states, reputation grade F.

Complaints by issue type

What consumers report about GFS II, LLC

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 41.3/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

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

The verdict

A reputation grade of F: GFS II, LLC ranks ahead of 4% of the 5,283 collectors PlainCollector grades - 96% keep a cleaner CFPB record, on 96 all-time complaints and a 100% timely-response rate.

4th pct
reputation rank of 5,283 graded collectors
96
CFPB complaints, all-time
100%
answered inside the CFPB window
26
in the last 12 months (stable)

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 GFS II, LLC?

GFS II, LLC has accumulated 96 total CFPB complaints across 14 states, with 26 filed in the most recent 12 months against 70 historical complaints before that window. The trailing-12-month volume represents 27.1% 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 "Attempts to collect debt not owed", narrowing to "Attempted to collect wrong amount". The company posts a 100% timely-response rate against a 100% consumer-dispute-after-response rate.

Complaints have been recorded across 14 states, led by Georgia with 15 and Illinois with 14. Normalized against the full CFPB collector database, the reputation score of 41.3/100 places GFS II, LLC in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

96

low-volume (CCDB)

Last 12 months

26

27.1% of all-time complaints

Stable →

States active

14

regional footprint

Timely response rate

100%

excellent band

Consumer disputes

100%

high (vertical avg ~19%)

Reputation grade

F

41.3/100 composite

How does GFS II, LLC's reputation rank nationally?

Reputation score vs. every graded collector

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

41 Bottom 4% higher than 4% 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%). This entry sits in this band. 50–60: 1,469 graded collectors (28%). Above this entry. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 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

GFS II, LLC 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) 100.0%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 25.0%

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

How does GFS II, LLC compare to its peers?

How does GFS II, LLC compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
GFS II, LLC National average
Complaints (last 12 mo)lower is better
26
18
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 Sub-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.

Top states by complaints against GFS II, LLC

Across 14 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if GFS II, LLC contacts you

A grade of F signals how GFS II, LLC'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 GFS II, LLC 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 GFS II, LLC 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 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: 41.3/100), 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).

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.