Financial Credit Service, Inc.
Sourced from the CFPB Consumer Complaint Database.
Debt Collector, CFPB Complaint Profile Specializes in: Credit card
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 | 5 |
| 2014 | 68 |
| 2015 | 158 |
| 2016 | 136 |
| 2017 | 141 |
| 2018 | 105 |
| 2019 | 35 |
| 2020 | 3 |
| 2021 | 2 |
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 Financial Credit Service, Inc.
Financial Credit Service, Inc. has 627 debt-collection complaints on file with the CFPB, which represents 96% of the 653 total complaints the Bureau has received about this entity. Reports have originated from consumers in 48 states and territories, making this a nationwide collection operation as measured by complaint volume. "Credit card" is the debt type named most often in complaints against this collector, the category consumers reach for most when filing a CFPB report. The specific issue named most is "Cont'd attempts collect debt not owed," a reasonable starting point for understanding recurring friction with this collector.
91.7% of CFPB-forwarded complaints against this company get a reply inside the Bureau's 15-day window. That sits below the 95% industry benchmark, which historically correlates with higher downstream dispute rates. 0% of resolved cases against this company closed with some form of consumer relief, a notably low ratio worth weighing against the disputed-response percentage. Consumers formally disputed the company's response in 11.6% 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 Financial Credit Service, Inc. have?
The CFPB has logged 627 debt-collection complaints against Financial Credit Service, Inc., 96% of all complaints filed against this company.
Does Financial Credit Service, Inc. respond to complaints on time?
91.7% of the CFPB complaints against Financial Credit Service, Inc. get a response within the expected window.
Does Financial Credit Service, Inc. provide relief to consumers?
Of resolved complaints against Financial Credit Service, Inc., 0% ended with consumer relief of some kind.
What type of debt does Financial Credit Service, Inc. primarily collect?
Financial Credit Service, Inc. primarily collects "Credit card" based on CFPB complaint data. The full breakdown of debt types is shown above.
What rights do I have against Financial Credit Service, 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 Financial Credit Service, Inc. active?
CFPB data shows consumer complaints against Financial Credit Service, Inc. from 48 states and territories.
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.