Total CFPB complaints
362
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 362 complaints
GULF COAST COLLECTION BUREAU, INC. — Debt Collector Complaint Profile
CFPB complaint profile across 28 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about GULF COAST COLLECTION BUREAU, INC.
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
74 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
73 complaints
- Written notification about debt
Written notification about debt
44 complaints
- Communication tactics
Communication tactics
38 complaints
- Disclosure verification of debt
Disclosure verification of debt
33 complaints
- False statements or representation 28
False statements or representation
28 complaints
D
Grade D · 53.7/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about GULF COAST COLLECTION BUREAU, INC.?
GULF COAST COLLECTION BUREAU, INC. has accumulated 362 total CFPB complaints across 28 states, with 44 filed in the most recent 12 months against 318 historical complaints before that window. The trailing-12-month volume represents 12.2% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
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 99% timely-response rate against a 33% 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 28 states, led by Florida with 282 and Georgia with 21, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 53.7/100 places GULF COAST COLLECTION BUREAU, 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
44
12.2% of total history
Rising ↑
States active
28
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
33%
After company response
Reputation grade
D
53.7/100 composite
Response-quality profile
How GULF COAST COLLECTION BUREAU, INC. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 98.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 66.2%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 50.0%
Share of US states + territories with at least one filed complaint against this collector.
How does GULF COAST COLLECTION BUREAU, INC. compare to its peers?
GULF COAST COLLECTION … 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)
2024-03 2026-02
Top Consumer Issues
Cont'd attempts collect debt not owed74 (%)
Attempts to collect debt not owed73 (%)
Disclosure verification of debt33 (%)
Written notification about debt44 (%)
False statements or representation28 (%)
Communication tactics38 (%)
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 | 49 |
| Attempts to collect debt not owed | Debt is not yours | 46 |
| Disclosure verification of debt | Not given enough info to verify debt | 33 |
| Written notification about debt | Didn't receive enough information to verify debt | 28 |
| False statements or representation | Attempted to collect wrong amount | 28 |
| Attempts to collect debt not owed | Debt was paid | 27 |
| Cont'd attempts collect debt not owed | Debt was paid | 25 |
| Communication tactics | Frequent or repeated calls | 20 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 18 |
| Written notification about debt | Didn't receive notice of right to dispute | 16 |
Where do complaints against GULF COAST COLLECTION BUREAU, INC. come from?
The states where consumers have filed the most CFPB complaints against GULF COAST COLLECTION BUREAU, INC.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against GULF COAST COLLECTION BUREAU, INC.
Across 28 states with at least one filing
- Florida
Florida
282 complaints
- Georgia 21
Georgia
21 complaints
- California 9
California
9 complaints
- Pennsylvania 5
Pennsylvania
5 complaints
- Maryland 4
Maryland
4 complaints
- New York 4
New York
4 complaints
- Massachusetts 4
Massachusetts
4 complaints
- Arizona 4
Arizona
4 complaints
Frequently Asked Questions
What is the most common complaint against GULF COAST COLLECTION BUREAU, INC.? ▼
The most common issue consumers report about GULF COAST COLLECTION BUREAU, INC. is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 362 complaints filed with the CFPB.
Are complaints against GULF COAST COLLECTION BUREAU, INC. increasing or decreasing? ▼
Complaints against GULF COAST COLLECTION BUREAU, INC. are rising. The company received 44 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is GULF COAST COLLECTION BUREAU, INC.'s reputation grade? ▼
GULF COAST COLLECTION BUREAU, INC. has a reputation grade of D (score: 53.7/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does GULF COAST COLLECTION BUREAU, INC. respond to consumer complaints? ▼
GULF COAST COLLECTION BUREAU, INC. has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 33% of cases.
In how many states does GULF COAST COLLECTION BUREAU, INC. operate? ▼
GULF COAST COLLECTION BUREAU, INC. has received CFPB complaints from consumers in 28 states, with the most complaints from Florida (282 complaints).
What can I do if GULF COAST COLLECTION BUREAU, 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 GULF COAST COLLECTION BUREAU, 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 |