CCS Financial Services, Inc.
Open-data reference.
Debt Collector, CFPB Complaint Profile Specializes in: Other debt
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Most consumers facing collection complaints carry utilization in the Fair-Poor band. FICO bands per myFICO + Experian guidance.
FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 44 |
| 2014 | 286 |
| 2015 | 266 |
| 2016 | 299 |
| 2017 | 505 |
| 2018 | 500 |
| 2019 | 482 |
| 2020 | 847 |
| 2021 | 1,499 |
| 2022 | 1,548 |
| 2023 | 2,179 |
| 2024 | 4,416 |
| 2025 | 8,138 |
| 2026 | 3,029 |
Complaints by State (Top 15)
Other Complaint Types
Your Rights with Debt Collectors
The Fair Debt Collection Practices Act (FDCPA) protects you from abusive, unfair, and deceptive collection practices.
- Request written verification of any debt within 30 days of first contact
- Dispute a debt if you believe it is incorrect or does not belong to you
- Demand the collector stop contacting you (in writing)
- File a complaint with the CFPB at consumerfinance.gov/complaint
What the CFPB Record Shows for CCS Financial Services, Inc.
CCS Financial Services, Inc. has 18,942 debt-collection complaints on file with the CFPB, which represents 78.8% of the 24,038 total complaints the Bureau has received about this entity. Reports have originated from consumers in 55 states and territories, making this a nationwide collection operation as measured by complaint volume. The most common debt type behind these complaints is "Other debt," which is the category consumers most often describe when they file a CFPB report about this collector. The single most-cited specific issue is "Attempts to collect debt not owed" - a useful starting point for understanding where the friction between this collector and consumers most frequently occurs.
The company's timely response rate is 82.7%, meaning that share of CFPB-forwarded complaints received a reply within the 15-day window the Bureau expects. That is under the 95% benchmark collectors are expected to hit, often a precursor to higher dispute rates. Of resolved cases, 15.7% closed with monetary or non-monetary relief to the consumer. Consumers formally disputed the company's response in 11.1% of resolved cases, signalling how often the initial resolution failed to satisfy the complainant.
How to read these numbers, and what to do if you're disputing a charge
Complaint volume alone does not prove wrongdoing, larger collection portfolios naturally produce more complaints, but the combination of timely-response rate, relief ratio, and dispute rate above gives a reasonable empirical picture of how this collector handles consumer interactions. Anyone in active dispute with this company should keep written records, use certified mail for verification requests (see your FDCPA rights above), and consider filing a CFPB complaint if standard resolution channels stall.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Frequently Asked Questions
How many debt collection complaints does CCS Financial Services, Inc. have?
18,942 debt-collection complaints against CCS Financial Services, Inc. appear in the CFPB record - 78.8% of the company's total complaint volume.
Does CCS Financial Services, Inc. respond to complaints on time?
82.7% of the CFPB complaints against CCS Financial Services, Inc. get a response within the expected window.
Does CCS Financial Services, Inc. provide relief to consumers?
15.7% of resolved complaints against CCS Financial Services, Inc. were closed with some form of consumer relief (monetary or non-monetary).
What type of debt does CCS Financial Services, Inc. primarily collect?
"Other debt" is the debt type CCS Financial Services, Inc. is most associated with in CFPB complaint data - see the full breakdown above.
What rights do I have against CCS Financial Services, Inc.?
Under the Fair Debt Collection Practices Act (FDCPA), you can request written debt verification within 30 days, dispute debts you believe are incorrect, demand the collector stop contacting you in writing, and file a complaint with the CFPB at consumerfinance.gov/complaint.
In how many states is CCS Financial Services, Inc. active?
CCS Financial Services, Inc. has received consumer complaints from 55 states and territories, based on CFPB data.
Source: Consumer Financial Protection Bureau Consumer Complaint Database · Q1 2026 Complaints filed against firms, not individuals. Data through March 2026.
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the CFPB Consumer Complaint Database. Consult a qualified professional before making decisions based on this data.
Read our methodology - how this data is sourced, computed, and verified.