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

CFPB complaint data Grade F 9 complaints

Liberty Credit Services, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade F.

Complaints by issue type

What consumers report about Liberty Credit Services, Inc.

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

Data updated September 2026

CFPB complaint disposition

CCDB record liberty-credit-services-inc Liberty Credit Services, Inc.

Grade F · 9 CFPB filings · 33% timely · lead issue: Taking/threatening an illegal action

  • VOL 9
  • GRADE F
  • 12MO 0
  • STATES 2
  • TIMELY 33%
  • DISPUTE 25%
  • ISSUE Taking/threatening an ille…
  • RANK #2,620
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: 1st Results Billings & Collections, Inc. (9 complaints)

1st Results Billings & Collections, Inc.1st Results Billings & Colle…92233 Paradise Road LLC2233 Paradise Road LLC9A-1 Premium Acceptance, Inc.A-1 Premium Acceptance, Inc.9Account Control BureauAccount Control Bureau9Liberty Credit Services, Inc. (this)Liberty Credit Services, Inc…9
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Liberty Credit Services, Inc.'s 9 CFPB complaints sit next to 1st Results Billings & Collections, Inc. 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 9 complaints break down

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

Reputation score breakdown

F
Composite reputation score
45.2/100
Liberty Credit Services, Inc.

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 C
9
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response D
33%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
25%
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

66.7% of Liberty Credit Services, Inc.'s CFPB filings land in Minnesota

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
Minnesota 66.7%
6 of 9 filings · 2 states touched
Seasonal peak
2018-03 9.1%
8–15% band · 1 filings
Corpus ranks
#2,620 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Liberty Credit Services, Inc. compare to its peers?

How does Liberty Credit Services, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Liberty Credit Services, Inc. National average
Complaints (last 12 mo)lower is better
0
0
268
Timely-response ratehigher is better
33%
56%
91%
Consumer-dispute ratelower is better
25%
0%
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 Liberty Credit Services, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 6 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 20%40%60%80%100%120% 0%10%20%30% Timely response rate (%) Dispute rate (%) Liberty Credit Services, Inc. vs. 5 similar-volume peers, by response speed and dispute rate Liberty Credit Services, Inc.Legacy Customer Management Group, LLCMidwest Finance CorporationLaw Offices of Ed Overcash, LLCMoody, Jones & Ingino, P.ANORTHWAY BROKER LTD.
Source: CFPB Consumer Complaint Database

Liberty Credit Services, Inc.'s complaint volume in context

Liberty Credit Services, Inc. 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)

9 52nd percentile higher than 52% of 5,420 collectors

0–20: 3,504 collectors (65%). This entry sits in this band. 20–40: 565 collectors (10%). Above this entry. 40–60: 260 collectors (5%). Above this entry. 60–80: 163 collectors (3%). Above this entry. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Liberty Credit Services, Inc. 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 ↓
2018-03 2026-01

Issue Detail Breakdown

Issue Complaints
Taking/threatening an illegal action
5
Cont'd attempts collect debt not owed
2
Communication tactics
1
Disclosure verification of debt
1

Where do complaints against Liberty Credit Services, Inc. come from?

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

Top states by complaints against Liberty Credit Services, Inc.

Across 2 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 Liberty Credit Services, Inc.: 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: 9.

4 peers

Know your rights before responding to Liberty Credit Services, Inc.: 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.