Total CFPB complaints
143
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 143 complaints
KINGS CREDIT SERVICES — Debt Collector Complaint Profile
CFPB complaint profile across 12 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about KINGS CREDIT SERVICES
- Attempts to collect debt not owed
Attempts to collect debt not owed
59 complaints
- Cont'd attempts collect debt not owed 18
Cont'd attempts collect debt not owed
18 complaints
- Written notification about debt 16
Written notification about debt
16 complaints
- False statements or representation 14
False statements or representation
14 complaints
- Disclosure verification of debt 10
Disclosure verification of debt
10 complaints
- Took or threatened to take negative or legal action 6
Took or threatened to take negative or legal action
6 complaints
C
Grade C · 60.9/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about KINGS CREDIT SERVICES?
KINGS CREDIT SERVICES has accumulated 143 total CFPB complaints across 12 states, with 0 filed in the most recent 12 months against 143 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 97% timely-response rate against a 12% 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 12 states, led by California with 125 and Florida with 4, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 60.9/100 places KINGS CREDIT SERVICES in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Falling ↓
States active
12
Distinct state filings
Timely response rate
97%
Within CFPB SLA window
Consumer disputes
12%
After company response
Reputation grade
C
60.9/100 composite
Response-quality profile
How KINGS CREDIT SERVICES performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 97.2%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 23.8%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 21.4%
Share of US states + territories with at least one filed complaint against this collector.
How does KINGS CREDIT SERVICES compare to its peers?
KINGS CREDIT SERVICES 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)
2021-04 2024-09
Top Consumer Issues
Attempts to collect debt not owed59 (%)
False statements or representation14 (%)
Cont'd attempts collect debt not owed18 (%)
Disclosure verification of debt10 (%)
Written notification about debt16 (%)
Took or threatened to take negative or legal action6 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 32 |
| Attempts to collect debt not owed | Debt was paid | 16 |
| False statements or representation | Attempted to collect wrong amount | 14 |
| Cont'd attempts collect debt not owed | Debt is not mine | 12 |
| Attempts to collect debt not owed | Debt was result of identity theft | 11 |
| Disclosure verification of debt | Not given enough info to verify debt | 10 |
| Written notification about debt | Didn't receive enough information to verify debt | 9 |
| Written notification about debt | Didn't receive notice of right to dispute | 7 |
| Cont'd attempts collect debt not owed | Debt was paid | 6 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 6 |
Where do complaints against KINGS CREDIT SERVICES come from?
The states where consumers have filed the most CFPB complaints against KINGS CREDIT SERVICES. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against KINGS CREDIT SERVICES
Across 12 states with at least one filing
- California
California
125 complaints
- Florida 4
Florida
4 complaints
- Oregon 2
Oregon
2 complaints
- Nevada 2
Nevada
2 complaints
- Colorado 2
Colorado
2 complaints
- Hawaii 1
Hawaii
1 complaints
- Massachusetts 1
Massachusetts
1 complaints
- Kansas 1
Kansas
1 complaints
Frequently Asked Questions
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: 60.9/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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).
What can I do if KINGS CREDIT SERVICES 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 KINGS CREDIT SERVICES 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 |