Total CFPB complaints
16
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 16 complaints
Golden State Collections LLC — Debt Collector Complaint Profile
CFPB complaint profile across 2 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Golden State Collections LLC
- Disclosure verification of debt
Disclosure verification of debt
7 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
3 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
3 complaints
- Communication tactics 1
Communication tactics
1 complaints
- Improper contact or sharing of info 1
Improper contact or sharing of info
1 complaints
- Written notification about debt 1
Written notification about debt
1 complaints
D
Grade D · 57.6/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Golden State Collections LLC?
Golden State Collections LLC has accumulated 16 total CFPB complaints across 2 states, with 0 filed in the most recent 12 months against 16 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 "Disclosure verification of debt", narrowing to "Not given enough info to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 56% timely-response rate against a 9% 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 2 states, led by California with 15 and Michigan with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.6/100 places Golden State Collections LLC 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
2
Distinct state filings
Timely response rate
56%
Within CFPB SLA window
Consumer disputes
9%
After company response
Reputation grade
D
57.6/100 composite
Response-quality profile
How Golden State Collections LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 56.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 18.2%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 3.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Golden State Collections LLC compare to its peers?
Golden State Collectio… 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)
2015-02 2020-06
Top Consumer Issues
Disclosure verification of debt7 (%)
Cont'd attempts collect debt not owed3 (%)
Attempts to collect debt not owed3 (%)
Communication tactics1 (%)
Improper contact or sharing of info1 (%)
Written notification about debt1 (%)
Most common issue: Disclosure verification of debt — Not given enough info to verify debt
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 |
|---|---|---|
| Disclosure verification of debt | Not given enough info to verify debt | 6 |
| Cont'd attempts collect debt not owed | Debt was paid | 2 |
| Attempts to collect debt not owed | Debt was paid | 2 |
| Disclosure verification of debt | Right to dispute notice not received | 1 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 1 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
| Improper contact or sharing of info | Talked to a third party about my debt | 1 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
Where do complaints against Golden State Collections LLC come from?
The states where consumers have filed the most CFPB complaints against Golden State Collections LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Golden State Collections LLC
Across 2 states with at least one filing
- California
California
15 complaints
- Michigan 1
Michigan
1 complaints
Frequently Asked Questions
What is the most common complaint against Golden State Collections LLC? ▼
The most common issue consumers report about Golden State Collections LLC is "Disclosure verification of debt", specifically "Not given enough info to verify debt". This is based on 16 complaints filed with the CFPB.
Are complaints against Golden State Collections LLC increasing or decreasing? ▼
Complaints against Golden State Collections LLC have been stable. The company received 0 complaints in the last 12 months.
What is Golden State Collections LLC's reputation grade? ▼
Golden State Collections LLC has a reputation grade of D (score: 57.6/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Golden State Collections LLC respond to consumer complaints? ▼
Golden State Collections LLC has a 56% timely response rate to CFPB complaints. Consumers disputed the company's response in 9% of cases.
In how many states does Golden State Collections LLC operate? ▼
Golden State Collections LLC has received CFPB complaints from consumers in 2 states, with the most complaints from California (15 complaints).
What can I do if Golden State Collections LLC 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 Golden State Collections LLC 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 |