What is the most common complaint against Kings Credit Services?

The most common issue consumers report about Kings Credit Services is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 143 complaints filed with the CFPB.

Are complaints against Kings Credit Services increasing or decreasing?

Complaints against Kings Credit Services are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Kings Credit Services's reputation grade?

Kings Credit Services has a reputation grade of C (score: 57.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Kings Credit Services respond to consumer complaints?

Kings Credit Services has a 97% timely response rate to CFPB complaints. Consumers disputed the company's response in 12% of cases.

In how many states does Kings Credit Services operate?

Kings Credit Services has received CFPB complaints from consumers in 12 states, with the most complaints from California (125 complaints).

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

Kings Credit Services - Debt Collector Complaint Profile

CFPB complaint profile across 12 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

59
Cont'd attempts collect debt not owed

18
Written notification about debt

16
False statements or representation

16
Disclosure verification of debt

14
Took or threatened to take negative or legal action

7

Data updated September 2026

CFPB complaint disposition

CCDB record kings-credit-services Kings Credit Services

Grade C · 143 CFPB filings · 97% timely · lead issue: Attempts to collect debt not owed · vol #676 · compose #2828

VOL 143
GRADE C
12MO 0
STATES 12
TIMELY 97%
DISPUTE 12%
ISSUE Attempts to collect debt n…
RANK #676
COMPOSE #2,828

Volume peers

Nearest volume peer: Bbva Financial Corporation (143 complaints)

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

Kings Credit Services's 143 CFPB complaints sit next to Bbva Financial Corporation 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

87.4% of Kings Credit Services's CFPB filings land in California

High volume does not equal a clean composite: Kings Credit Services is volume #676 but composite #2,828, while California dominates the geography. Corpus placement method.

Dominant state: California 87.4%; 125 of 143 filings · 12 states touched
Seasonal peak: 2025-11 11.1%; 8–15% band · 4 filings
Divergent corpus ranks: #676 volume; #2,828 composite; Cleanest-composite ladder is 2,152 places worse than volume

How does Kings Credit Services compare to its peers?

How does KINGS CREDIT SERVICES compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

KINGS CREDIT SERVICES National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

97%

100%

91%

Consumer-dispute ratelower is better

12%

20%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2021-03 2026-02

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	59
Cont'd attempts collect debt not owed	18
Written notification about debt	16
False statements or representation	16
Disclosure verification of debt	14
Took or threatened to take negative or legal action	7
Threatened to contact someone or share information improperly	4
Improper contact or sharing of info	4
Taking/threatening an illegal action	3
Communication tactics	2

Where do complaints against Kings Credit Services come from?

Kings Credit Services's own per-state count, not a national baseline.

California

125
Florida

4
Colorado

2
Nevada

2
Oregon

2
Arizona

1
Hawaii

1
Kansas

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Kings Credit Services: 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: 143.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 97.2027972027972%.

4 peers

Know your rights before responding to Kings Credit Services: 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.