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

CFPB complaint data Grade D 248 complaints

Gold KEY Credit, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 21 states, reputation grade D.

Complaints by issue type

What consumers report about Gold KEY Credit, Inc.

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

Data updated September 2026

CFPB complaint disposition

CCDB record gold-key-credit-inc Gold KEY Credit, Inc.

Grade D · 248 CFPB filings · 98% timely · lead issue: Cont'd attempts collect debt not owed · vol #454 · compose #243

  • VOL 248
  • GRADE D
  • 12MO 0
  • STATES 21
  • TIMELY 98%
  • DISPUTE 24%
  • ISSUE Cont'd attempts collect de…
  • RANK #454
  • COMPOSE #243

Volume peers

Nearest volume peer: Harley Davidson Financial Services Inc (249 complaints)

World Omni Financial Corp.World Omni Financial Corp.247Gold KEY Credit, Inc. (this)Gold KEY Credit, Inc. (this)248Harley Davidson Financial Services IncHarley Davidson Financial Se…249Credit Central Holdings, LLCCredit Central Holdings, LLC250P.S.C., IncP.S.C., Inc250
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Gold KEY Credit, Inc.'s 248 CFPB complaints sit next to Harley Davidson Financial Services 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 248 complaints break down

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

Reputation score breakdown

D
Composite reputation score
53.3/100
Gold KEY Credit, 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 F
248
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
98%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
24%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

55.6% of Gold KEY Credit, Inc.'s CFPB filings land in Florida

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

Dominant state
Florida 55.6%
138 of 248 filings · 21 states touched
Spike month
2014-07 25.9%
7 filings that month · spiky (≥15% of series)
Corpus ranks
#454 volume
#243 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Gold KEY Credit, Inc. compare to its peers?

How does GOLD KEY CREDIT, 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
GOLD KEY CREDIT, INC. National average
Complaints (last 12 mo)lower is better
0
91
268
Timely-response ratehigher is better
98%
99%
91%
Consumer-dispute ratelower is better
24%
14%
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 Gold KEY Credit, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 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 92%94%96%98%100%102% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Gold KEY Credit, Inc. vs. 9 similar-volume peers, by response speed and dispute rate Gold KEY Credit, Inc.Harley Davidson Financial Services IncWorld Omni Financial Corp.Wilber and Associates, P.C.P.S.C., IncMerchants and Professional Bureau, Inc.Credit Central Holdings, LLCNationwide Credit & Collection, Inc.Kansas Counselors, Inc.Financial Management Solutions, LLC
Source: CFPB Consumer Complaint Database

Gold KEY Credit, Inc.'s complaint volume in context

Gold KEY Credit, 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)

248 Top 8% higher than 92% 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%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Gold KEY Credit, 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)

Falling ↓
2014-06 2017-07

Issue Detail Breakdown

Issue Complaints
Cont'd attempts collect debt not owed
66
Attempts to collect debt not owed
60
Disclosure verification of debt
45
Written notification about debt
39
False statements or representation
15
Communication tactics
13
Took or threatened to take negative or legal action
7
Improper contact or sharing of info
3

Where do complaints against Gold KEY Credit, Inc. come from?

Gold KEY Credit, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Gold KEY Credit, Inc.

Across 21 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 Gold KEY Credit, 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: 248.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 98.38709677419355%.

4 peers

Know your rights before responding to Gold KEY Credit, 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.