What is the most common complaint against GFS, Inc.?

The most common issue consumers report about GFS, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 40 complaints filed with the CFPB.

Are complaints against GFS, Inc. increasing or decreasing?

Complaints against GFS, Inc. have been stable. The company received 10 complaints in the last 12 months.

What is GFS, Inc.'s reputation grade?

GFS, Inc. has a reputation grade of C (score: 61.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does GFS, Inc. respond to consumer complaints?

GFS, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 20% of cases.

In how many states does GFS, Inc. operate?

GFS, Inc. has received CFPB complaints from consumers in 12 states, with the most complaints from Missouri (24 complaints).

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

GFS, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 12 states, reputation grade C.

Compiled by PlainCollector

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

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 #1339 · compose #2145

VOL 40
GRADE C
12MO 10
STATES 12
TIMELY 100%
DISPUTE 20%
ISSUE Attempts to collect debt n…
RANK #1,339
COMPOSE #2,145

Volume peers

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

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 →

State-heavy filing map

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

High volume does not equal a clean composite: GFS, Inc. is volume #1,339 but composite #2,145, while Missouri dominates the geography. 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
Divergent corpus ranks: #1,339 volume; #2,145 composite; Cleanest-composite ladder is 806 places worse than volume

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

268

Timely-response ratehigher is better

100%

92%

91%

Consumer-dispute ratelower is better

20%

50%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Missouri

24
Florida

3
New Mexico

3
Illinois

2
Arkansas

1
Georgia

1
Indiana

1
Kansas

1

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.