CFPB Consumer Complaint Profile
Birchwood Credit Services, Inc.
Behind the 78 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 78
- Total complaints
- Mid-range
- 17
- Last 12 months
- 80.8%
- Timely response
- Bottom decile
- 21
- States affected
The verdict
78 CFPB complaints put Birchwood Credit Services, Inc. at #1485 out of 3,843 financial companies ranked by complaint volume. Its on-time response rate is 80.8%, the 10th percentile among companies with 100+ complaints.
- #1485
- of 3,843 companies by volume
- 80.8%
- on time (10th pctile)
- Credit reporting or …
- most-complained product
- 21
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Birchwood Credit Services, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
80.8% Among the lowest higher than 10% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2018 | 1 |
| 2019 | 3 |
| 2020 | 8 |
| 2021 | 5 |
| 2022 | 14 |
| 2023 | 7 |
| 2024 | 16 |
| 2025 | 24 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Birchwood Credit Services, Inc.
Birchwood Credit Services, Inc. carries 78 complaints in the CFPB's database, 17 of them filed within the past 12 months. Consumers spanning 21 states and territories have weighed in, giving this a multi-regional footprint. No product draws more complaints than "Credit reporting or other personal consumer reports," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Improper use of your report" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against Birchwood Credit Services, Inc. draw a 80.8% reply rate inside the Bureau's 15-day window. That falls short of the 95% benchmark, a gap that tends to track with more disputes downstream. Among resolved complaints, 0% closed with some form of monetary or non-monetary relief to the consumer.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Birchwood Credit Services, Inc. have?
Birchwood Credit Services, Inc. has 78 total consumer complaints filed with the CFPB, with 17 filed in the last 12 months.
Does Birchwood Credit Services, Inc. respond to complaints on time?
Birchwood Credit Services, Inc. has a 80.8% timely response rate to CFPB complaints.
What product generates the most complaints for Birchwood Credit Services, Inc.?
Among all products tied to Birchwood Credit Services, Inc., "Credit reporting or other personal consumer reports" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Birchwood Credit Services, Inc.?
Consumers most often cite "Improper use of your report" when complaining about Birchwood Credit Services, Inc.; the full issue list with counts is above.
How do I file a complaint against Birchwood Credit Services, Inc.?
You can file a complaint against Birchwood Credit Services, Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Birchwood Credit Services, Inc.?
Consumers in 21 states and territories have filed complaints about Birchwood Credit Services, Inc. with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Also handles Credit reporting or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.