Total CFPB complaints
248
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 248 complaints
GOLD KEY CREDIT, INC. — Debt Collector Complaint Profile
CFPB complaint profile across 21 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about GOLD KEY CREDIT, INC.
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
58 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
58 complaints
- Disclosure verification of debt
Disclosure verification of debt
40 complaints
- Written notification about debt
Written notification about debt
33 complaints
- False statements or representation 14
False statements or representation
14 complaints
- Took or threatened to take negative or legal action 6
Took or threatened to take negative or legal action
6 complaints
D
Grade D · 56.5/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about GOLD KEY CREDIT, INC.?
GOLD KEY CREDIT, INC. has accumulated 248 total CFPB complaints across 21 states, with 0 filed in the most recent 12 months against 248 historical complaints before that window. The trailing-12-month volume represents 0.0% 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 "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 98% timely-response rate against a 24% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 21 states, led by Florida with 138 and New York with 47, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.5/100 places GOLD KEY CREDIT, INC. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
21
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Consumer disputes
24%
After company response
Reputation grade
D
56.5/100 composite
Response-quality profile
How GOLD KEY CREDIT, INC. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 98.4%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 48.9%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 37.5%
Share of US states + territories with at least one filed complaint against this collector.
How does GOLD KEY CREDIT, INC. compare to its peers?
GOLD KEY CREDIT, INC. National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2017-08 2020-11
Top Consumer Issues
Cont'd attempts collect debt not owed58 (%)
Attempts to collect debt not owed58 (%)
Written notification about debt33 (%)
Disclosure verification of debt40 (%)
False statements or representation14 (%)
Took or threatened to take negative or legal action6 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt is not mine
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt is not mine | 38 |
| Attempts to collect debt not owed | Debt is not yours | 35 |
| Written notification about debt | Didn't receive enough information to verify debt | 33 |
| Disclosure verification of debt | Not given enough info to verify debt | 25 |
| Cont'd attempts collect debt not owed | Debt was paid | 20 |
| Disclosure verification of debt | Right to dispute notice not received | 15 |
| False statements or representation | Attempted to collect wrong amount | 14 |
| Attempts to collect debt not owed | Debt was paid | 12 |
| Attempts to collect debt not owed | Debt was result of identity theft | 11 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 6 |
Where do complaints against GOLD KEY CREDIT, INC. come from?
The states where consumers have filed the most CFPB complaints against GOLD KEY CREDIT, INC.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against GOLD KEY CREDIT, INC.
Across 21 states with at least one filing
- Florida
Florida
138 complaints
- New York 47
New York
47 complaints
- Ohio 17
Ohio
17 complaints
- Georgia 9
Georgia
9 complaints
- New Jersey 9
New Jersey
9 complaints
- Michigan 4
Michigan
4 complaints
- Alabama 4
Alabama
4 complaints
- California 3
California
3 complaints
Frequently Asked Questions
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. have been stable. The company received 0 complaints in the last 12 months.
What is GOLD KEY CREDIT, INC.'s reputation grade? ▼
GOLD KEY CREDIT, INC. has a reputation grade of D (score: 56.5/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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).
What can I do if GOLD KEY CREDIT, INC. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If GOLD KEY CREDIT, INC. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |