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

CFPB complaint data Grade C 40 complaints

GFS, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 12 states, reputation grade C.

Complaints by issue type

What consumers report about GFS, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record gfs-inc GFS, Inc.

Grade C · 40 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed

  • VOL 40
  • GRADE C
  • 12MO 10
  • STATES 12
  • TIMELY 100%
  • DISPUTE 20%
  • ISSUE Attempts to collect debt n…
  • RANK #1,339
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: AAS Debt Recovery, Inc. (40 complaints)

AAS Debt Recovery, Inc.AAS Debt Recovery, Inc.40Capital Credit and Collection Service, Inc.Capital Credit and Collectio…40Coastal Financial Solutions, LLCCoastal Financial Solutions,…40Daniels Norelli Scully & Cecere, P.C.Daniels Norelli Scully & Cec…40GFS, Inc. (this)GFS, Inc. (this)40
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

GFS, Inc.'s 40 CFPB complaints sit next to AAS Debt Recovery, 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 →

How the 40 complaints break down

Every complaint issue type on record for GFS, Inc., not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
61.6/100
GFS, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume D
40
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
20%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

60.0% of GFS, Inc.'s CFPB filings land in Missouri

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
Missouri 60.0%
24 of 40 filings · 12 states touched
Seasonal peak
2023-02 10.0%
8–15% band · 3 filings
Corpus ranks
#1,339 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does GFS, Inc. compare to its peers?

How does GFS, Inc. 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, Inc. National average
Complaints (last 12 mo)lower is better
10
9
268
Timely-response ratehigher is better
100%
92%
91%
Consumer-dispute ratelower is better
20%
50%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy GFS, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 20%40%60%80%100%120% 0%20%40%60% Timely response rate (%) Dispute rate (%) GFS, Inc. vs. 8 similar-volume peers, by response speed and dispute rate GFS, Inc.Finkelstein, Kern, Steinberg & Cunningham, PCFederal Pacific Credit Company, LLCDaniels Norelli Scully & Cecere, P.C.Medical Recovery Services, LLCCoastal Financial Solutions, LLCNEW CITY FUNDING CORP.Capital Credit and Collection Service, Inc.AAS Debt Recovery, Inc.
Source: CFPB Consumer Complaint Database

GFS, Inc.'s complaint volume in context

GFS, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

40 Top 25% higher than 75% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). This entry sits in this band. 60–80: 163 collectors (3%). Above this entry. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. GFS, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Stable →
2016-03 2023-06

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
9
Written notification about debt
9
False statements or representation
7
Communication tactics
4
Cont'd attempts collect debt not owed
4
Took or threatened to take negative or legal action
3
Disclosure verification of debt
2
Improper contact or sharing of info
2

Where do complaints against GFS, Inc. come from?

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

Top states by complaints against GFS, Inc.

Across 12 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for GFS, Inc.: 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: 40.

4 peers

Know your rights before responding to GFS, Inc.: 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.