What is the most common complaint against Granite Creditors Service, Inc.?

The most common issue consumers report about Granite Creditors Service, Inc. is "Attempts to collect debt not owed", specifically "Debt was paid". This is based on 8 complaints filed with the CFPB.

Are complaints against Granite Creditors Service, Inc. increasing or decreasing?

Complaints against Granite Creditors Service, Inc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Granite Creditors Service, Inc.'s reputation grade?

Granite Creditors Service, Inc. has a reputation grade of A (score: 76.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Granite Creditors Service, Inc. respond to consumer complaints?

Granite Creditors Service, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Granite Creditors Service, Inc. operate?

Granite Creditors Service, Inc. has received CFPB complaints from consumers in 2 states, with the most complaints from Arizona (4 complaints).

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

Granite Creditors Service, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade A.

Compiled by PlainCollector

Attempts to collect debt not owed

4
Written notification about debt

2
Took or threatened to take negative or legal action

1
Cont'd attempts collect debt not owed

1

Data updated September 2026

CFPB complaint disposition

CCDB record granite-creditors-service-inc Granite Creditors Service, Inc.

Grade A · 8 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #2706 · compose #778

VOL 8
GRADE A
12MO 0
STATES 2
TIMELY 100%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #2,706
COMPOSE #778

Volume peers

Nearest volume peer: A+ Loans, Inc. (8 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Granite Creditors Service, Inc.'s 8 CFPB complaints sit next to A+ Loans, 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

50.0% of Granite Creditors Service, Inc.'s CFPB filings land in Arizona

High volume does not equal a clean composite: Granite Creditors Service, Inc. is volume #2,706 but composite #778, while Arizona dominates the geography. Corpus placement method.

Dominant state: Arizona 50.0%; 4 of 8 filings · 2 states touched
Spike month: 2025-09 100.0%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #2,706 volume; #778 composite; Cleanest-composite ladder is 1,928 places better than volume

How does Granite Creditors Service, Inc. compare to its peers?

How does Granite Creditors Service, 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

Granite Creditors Serv… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2025-09 2025-09

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	4
Written notification about debt	2
Took or threatened to take negative or legal action	1
Cont'd attempts collect debt not owed	1

Where do complaints against Granite Creditors Service, Inc. come from?

Granite Creditors Service, Inc.'s own per-state count, not a national baseline.

Arizona

4
California

4

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Granite Creditors Service, 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: 8.

4 peers

Know your rights before responding to Granite Creditors Service, 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.