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

CFPB complaint data Grade C 143 complaints

Kings Credit Services - Debt Collector Complaint Profile

CFPB complaint profile across 12 states, reputation grade C.

Complaints by issue type

What consumers report about Kings Credit Services

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 143
  • GRADE C
  • 12MO 0
  • STATES 12
  • TIMELY 97%
  • DISPUTE 12%
  • ISSUE Attempts to collect debt n…
  • RANK #676
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Bbva Financial Corporation (143 complaints)

Bbva Financial CorporationBbva Financial Corporation143Oxford Law, LLCOxford Law, LLC143Recovery One, LLCRecovery One, LLC143Retail Merchants AssociatesRetail Merchants Associates143Kings Credit Services (this)Kings Credit Services (this)143
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 →

How the 143 complaints break down

Every complaint issue type on record for Kings Credit Services, not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
57.6/100
Kings Credit Services

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
143
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
97%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
12%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

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

Concentration is computed from this collector's company_states rows only, not a national baseline. 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
Corpus ranks
#676 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

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
0
0
268
Timely-response ratehigher is better
97%
100%
91%
Consumer-dispute ratelower is better
12%
20%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Kings Credit Services a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 85%90%95%100%105% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Kings Credit Services vs. 10 similar-volume peers, by response speed and dispute rate Kings Credit ServicesBBVA FINANCIAL CORPORATIONOxford Law, LLCRecovery One, LLCRetail Merchants AssociatesStuart-Lippman and Associates, IncPREFERRED CREDIT INCKeynote Consulting, Inc.Immediate Credit RecoverySarmaAccess Receivables of NC Inc.
Source: CFPB Consumer Complaint Database

Kings Credit Services's complaint volume in context

Kings Credit Services vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

143 Top 12% higher than 88% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). This entry sits in this band. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Kings Credit Services 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
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.

Top states by complaints against Kings Credit Services

Across 12 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.