Total CFPB complaints
11
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 11 complaints
IMPERIAL CREDIT SYSTEMS, INC. — Debt Collector Complaint Profile
CFPB complaint profile across 9 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about IMPERIAL CREDIT SYSTEMS, INC.
- Attempts to collect debt not owed
Attempts to collect debt not owed
3 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
2 complaints
- False statements or representation 1
False statements or representation
1 complaints
- Communication tactics 1
Communication tactics
1 complaints
- Disclosure verification of debt 1
Disclosure verification of debt
1 complaints
- Problem with customer service 1
Problem with customer service
1 complaints
F
Grade F · 42.4/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about IMPERIAL CREDIT SYSTEMS, INC.?
IMPERIAL CREDIT SYSTEMS, INC. has accumulated 11 total CFPB complaints across 9 states, with 2 filed in the most recent 12 months against 9 historical complaints before that window. The trailing-12-month volume represents 18.2% 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 "False statements or representation", narrowing to "Attempted to collect wrong amount", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 9% timely-response rate against a 14% 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 9 states, led by California with 2 and Mississippi with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 42.4/100 places IMPERIAL CREDIT SYSTEMS, INC. in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
2
18.2% of total history
Rising ↑
States active
9
Distinct state filings
Timely response rate
9%
Within CFPB SLA window
Consumer disputes
14%
After company response
Reputation grade
F
42.4/100 composite
Response-quality profile
How IMPERIAL CREDIT SYSTEMS, INC. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 9.1%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 28.6%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 16.1%
Share of US states + territories with at least one filed complaint against this collector.
How does IMPERIAL CREDIT SYSTEMS, INC. compare to its peers?
IMPERIAL CREDIT SYSTEM… 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)
2013-12 2026-02
Top Consumer Issues
False statements or representation1 (%)
Communication tactics1 (%)
Attempts to collect debt not owed3 (%)
Cont'd attempts collect debt not owed2 (%)
Disclosure verification of debt1 (%)
Problem with customer service1 (%)
Improper contact or sharing of info1 (%)
Most common issue: False statements or representation — Attempted to collect wrong amount
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 |
|---|---|---|
| False statements or representation | Attempted to collect wrong amount | 1 |
| Communication tactics | Threatened to take legal action | 1 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
| Disclosure verification of debt | Not given enough info to verify debt | 1 |
| Cont'd attempts collect debt not owed | Debt was paid | 1 |
| Problem with customer service | — | 1 |
| Improper contact or sharing of info | Talked to a third party about my debt | 1 |
| Attempts to collect debt not owed | Debt was paid | 1 |
Where do complaints against IMPERIAL CREDIT SYSTEMS, INC. come from?
The states where consumers have filed the most CFPB complaints against IMPERIAL CREDIT SYSTEMS, INC.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against IMPERIAL CREDIT SYSTEMS, INC.
Across 9 states with at least one filing
- California
California
2 complaints
- Mississippi
Mississippi
2 complaints
- Illinois
Illinois
1 complaints
- New York
New York
1 complaints
- Minnesota
Minnesota
1 complaints
- Missouri
Missouri
1 complaints
- Nevada
Nevada
1 complaints
- Delaware
Delaware
1 complaints
Frequently Asked Questions
What is the most common complaint against IMPERIAL CREDIT SYSTEMS, INC.? ▼
The most common issue consumers report about IMPERIAL CREDIT SYSTEMS, INC. is "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 11 complaints filed with the CFPB.
Are complaints against IMPERIAL CREDIT SYSTEMS, INC. increasing or decreasing? ▼
Complaints against IMPERIAL CREDIT SYSTEMS, INC. are rising. The company received 2 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is IMPERIAL CREDIT SYSTEMS, INC.'s reputation grade? ▼
IMPERIAL CREDIT SYSTEMS, INC. has a reputation grade of F (score: 42.4/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does IMPERIAL CREDIT SYSTEMS, INC. respond to consumer complaints? ▼
IMPERIAL CREDIT SYSTEMS, INC. has a 9% timely response rate to CFPB complaints. Consumers disputed the company's response in 14% of cases.
In how many states does IMPERIAL CREDIT SYSTEMS, INC. operate? ▼
IMPERIAL CREDIT SYSTEMS, INC. has received CFPB complaints from consumers in 9 states, with the most complaints from California (2 complaints).
What can I do if IMPERIAL CREDIT SYSTEMS, 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 IMPERIAL CREDIT SYSTEMS, 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 |