What is the most common complaint against Liberty Credit Services, Inc.?

The most common issue consumers report about Liberty Credit Services, Inc. is "Taking/threatening an illegal action", specifically "Threatened to sue on too old debt". This is based on 9 complaints filed with the CFPB.

Are complaints against Liberty Credit Services, Inc. increasing or decreasing?

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

What is Liberty Credit Services, Inc.'s reputation grade?

Liberty Credit Services, Inc. has a reputation grade of F (score: 45.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Liberty Credit Services, Inc. respond to consumer complaints?

Liberty Credit Services, Inc. has a 33% timely response rate to CFPB complaints. Consumers disputed the company's response in 25% of cases.

In how many states does Liberty Credit Services, Inc. operate?

Liberty Credit Services, Inc. has received CFPB complaints from consumers in 2 states, with the most complaints from Minnesota (6 complaints).

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

Liberty Credit Services, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade F.

Compiled by PlainCollector

Taking/threatening an illegal action

5
Cont'd attempts collect debt not owed

2
Communication tactics

1
Disclosure verification of debt

1

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 #2620 · compose #4598

VOL 9
GRADE F
12MO 0
STATES 2
TIMELY 33%
DISPUTE 25%
ISSUE Taking/threatening an ille…
RANK #2,620
COMPOSE #4,598

Volume peers

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

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 →

State-heavy filing map

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

High volume does not equal a clean composite: Liberty Credit Services, Inc. is volume #2,620 but composite #4,598, while Minnesota dominates the geography. 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
Divergent corpus ranks: #2,620 volume; #4,598 composite; Cleanest-composite ladder is 1,978 places worse than volume

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 Service… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

33%

56%

91%

Consumer-dispute ratelower is better

25%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Minnesota

6
Ohio

3

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.