What is the most common complaint against Gold KEY Credit, Inc.?

The most common issue consumers report about Gold KEY Credit, Inc. is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 248 complaints filed with the CFPB.

Are complaints against Gold KEY Credit, Inc. increasing or decreasing?

Complaints against Gold KEY Credit, Inc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Gold KEY Credit, Inc.'s reputation grade?

Gold KEY Credit, Inc. has a reputation grade of D (score: 53.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Gold KEY Credit, Inc. respond to consumer complaints?

Gold KEY Credit, Inc. has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 24% of cases.

In how many states does Gold KEY Credit, Inc. operate?

Gold KEY Credit, Inc. has received CFPB complaints from consumers in 21 states, with the most complaints from Florida (138 complaints).

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

Gold KEY Credit, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 21 states, reputation grade D.

Compiled by PlainCollector

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

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 #3678

VOL 248
GRADE D
12MO 0
STATES 21
TIMELY 98%
DISPUTE 24%
ISSUE Cont'd attempts collect de…
RANK #454
COMPOSE #3,678

Volume peers

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

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 →

State-heavy filing map

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

High volume does not equal a clean composite: Gold KEY Credit, Inc. is volume #454 but composite #3,678, while Florida dominates the geography. 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)
Divergent corpus ranks: #454 volume; #3,678 composite; Cleanest-composite ladder is 3,224 places worse than volume

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

268

Timely-response ratehigher is better

98%

99%

91%

Consumer-dispute ratelower is better

24%

14%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Florida

138
New York

47
Ohio

17
Georgia

9
New Jersey

9
Alabama

4
Michigan

4
California

3

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.