Total CFPB complaints
9
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 9 complaints
Liberty Credit Services, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 2 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Liberty Credit Services, Inc.
- Taking/threatening an illegal action
Taking/threatening an illegal action
5 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
2 complaints
- Communication tactics 1
Communication tactics
1 complaints
- Disclosure verification of debt 1
Disclosure verification of debt
1 complaints
F
Grade F · 49.5/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Liberty Credit Services, Inc.?
Liberty Credit Services, Inc. has accumulated 9 total CFPB complaints across 2 states, with 0 filed in the most recent 12 months against 9 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Taking/threatening an illegal action", narrowing to "Threatened to sue on too old debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 33% timely-response rate against a 25% 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 2 states, led by Minnesota with 6 and Ohio with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 49.5/100 places Liberty Credit Services, Inc. in grade band F, 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
Stable →
States active
2
Distinct state filings
Timely response rate
33%
Within CFPB SLA window
Consumer disputes
25%
After company response
Reputation grade
F
49.5/100 composite
Response-quality profile
How Liberty Credit Services, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 33.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 50.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 3.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Liberty Credit Services, Inc. compare to its peers?
Liberty Credit Service… 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)
2014-12 2017-08
Top Consumer Issues
Taking/threatening an illegal action5 (%)
Cont'd attempts collect debt not owed2 (%)
Communication tactics1 (%)
Disclosure verification of debt1 (%)
Most common issue: Taking/threatening an illegal action — Threatened to sue on too old debt
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 |
|---|---|---|
| Taking/threatening an illegal action | Threatened to sue on too old debt | 2 |
| Taking/threatening an illegal action | Attempted to/Collected exempt funds | 2 |
| Cont'd attempts collect debt not owed | Debt is not mine | 2 |
| Communication tactics | Used obscene, profane, or other abusive language | 1 |
| Taking/threatening an illegal action | Sued w/o proper notification of suit | 1 |
| Disclosure verification of debt | Right to dispute notice not received | 1 |
Where do complaints against Liberty Credit Services, Inc. come from?
The states where consumers have filed the most CFPB complaints against Liberty Credit Services, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Liberty Credit Services, Inc.
Across 2 states with at least one filing
- Minnesota
Minnesota
6 complaints
- Ohio
Ohio
3 complaints
Frequently Asked Questions
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. have been stable. The company received 0 complaints in the last 12 months.
What is Liberty Credit Services, Inc.'s reputation grade? ▼
Liberty Credit Services, Inc. has a reputation grade of F (score: 49.5/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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).
What can I do if Liberty Credit Services, Inc. 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 Liberty Credit Services, Inc. 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 |