Financial Credit Service, Inc.
Sourced from the CFPB Consumer Complaint Database.
Debt Collector, CFPB Complaint Profile Specializes in: Credit card
CFPB collection forwarding receipt
Forwarded record DC-FINANCIAL-CREDIT-S Financial Credit Service, Inc.
627 DC complaints · rank #146/656 · 91.7% timely
- DC 627
- RANK #146/656
- TIMELY 91.7%
- RELIEF 0%
- DISPUTE 11.6%
- STATES 48
- ISSUE Cont'd attempts collect deb…
- RESP Closed with explanation
- PHOTO Harvard Collections, LLC
Volume peers
Photo peer: Harvard Collections, LLC (628)
Financial Credit Service, Inc.'s 627 debt-collection complaints sit next to Harvard Collections, LLC (628) on the volume neighbourhood; peer NAMES stay, and the receipt VALUES are this collector's. Full complaint profile for Financial Credit Service, I… →
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
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)
What the CFPB Record Shows for Financial Credit Service, Inc.
Financial Credit Service, Inc. sits at #146 of 656 debt collectors in this extract by debt-collection complaint volume (78th percentile), the same ordering shown on /collectors. 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.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Full complaint profile for Financial Credit Service, Inc. → · All debt collectors →
Nationwide collectors with similar complaint volume or dispute rates
Two CFPB peer sets for Financial Credit Service, Inc.: nearest debt collectors by debt-collection complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the volume strip on the forwarding receipt above.
Similar complaint volume
Nearest collectors by debt-collection complaint count (627 here).
Similar dispute rates
Nearest collectors by share of complaints marked disputed (11.6% here).
Frequently asked questions
How many CFPB debt-collection complaints does Financial Credit Service, Inc. have?
The CFPB extract lists 627 debt-collection complaints against Financial Credit Service, Inc. (#146 of 656 collectors by volume).
Does Financial Credit Service, Inc. respond to CFPB complaints on time?
CFPB complaints against Financial Credit Service, Inc. show a 91.7% timely-response rate.
What issue do consumers cite most about Financial Credit Service, Inc.?
"Cont'd attempts collect debt not owed" is the leading issue tag on Financial Credit Service, Inc.'s CFPB complaint record.
How should I read Financial Credit Service, Inc.'s CFPB complaint record?
These figures summarize what consumers filed with the CFPB about Financial Credit Service, Inc.. They are educational, not advice - see the debt-collection rights and CFPB filing guides for next steps on a live dispute.
Related guides: Debt collection rights · How to file a CFPB complaint · Reading CFPB complaint 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.