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

Data updated July 2026

D

Grade D · 56.5/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Gold KEY Credit, Inc. ranks ahead of 30% of the 5,283 collectors PlainCollector grades - 70% keep a cleaner CFPB record, on 248 all-time complaints and a 98% timely-response rate.

30th pct
reputation rank of 5,283 graded collectors
248
CFPB complaints, all-time
98%
answered inside the CFPB window
0
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

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 falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine". The company posts a 98% timely-response rate against a 24% consumer-dispute-after-response rate.

Complaints have been recorded across 21 states, led by Florida with 138 and New York with 47. Normalized against the full CFPB collector database, the reputation score of 56.5/100 places Gold KEY Credit, Inc. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

248

mid-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

21

multi-region footprint

Timely response rate

98%

excellent band

Consumer disputes

24%

elevated (vertical avg ~19%)

Reputation grade

D

56.5/100 composite

How does Gold KEY Credit, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

57 30th percentile higher than 30% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Gold KEY Credit, Inc. versus the debt-collection vertical average.

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) 24.4%
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?

How does GOLD KEY CREDIT, INC. compare? Versus a similar-volume peer and the national average, 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.

Complaint Trend (24 months)

2014-06 2017-07

Issue Detail Breakdown

Issue Sub-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

What to do if Gold KEY Credit, Inc. contacts you

A grade of D signals how Gold KEY Credit, Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Gold KEY Credit, Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Gold KEY Credit, Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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. 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: 56.5/100), 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).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.