CFPB Consumer Complaint Profile
CCS Financial Services, Inc.
Behind the 24,038 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
- 24,038
- Total complaints
- Among the highest
- 9,466
- Last 12 months
- 82.7%
- Timely response
- Bottom quartile
- 55
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, CCS Financial Services, Inc. sits at #32, with 24,038 complaints logged. It posts a 82.7% on-time response rate, the 11th percentile among companies with 100+ complaints.
- #32
- of 3,843 companies by volume
- 82.7%
- on time (11th pctile)
- Debt collection
- most-complained product
- 55
- 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.
CCS Financial Services, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
82.7% Among the lowest higher than 11% 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
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 4,416 in 2024 to 8,138 in 2025 (2024 → 2025).
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 |
|---|---|
| 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 |
| 2026year in progress | 3,029 |
Complaints by State (Top 15)
Company Responses
CCS Financial Services, Inc. Complaint Concentration Profile
CCS Financial Services, Inc. is a high-volume CFPB cohort (24,038 complaints) - enough filings to measure how concentrated the product and issue mix is, not just the headline totals. Across 37 named product lines in the stored breakdown, the leading three (Debt collection, Debt collection, Credit reporting or other personal consumer reports) hold a 79.3% share of product-tagged complaints. The Herfindahl index on that product mix is 0.260 (1.0 = a single product owns every tagged complaint; lower = a broader book).
On the issue side, 15 named issues appear in the top list; the leading three (Attempts to collect debt not owed, Written notification about debt, Incorrect information on your report) cover a 64.0% share of those mentions. That multi-issue footprint is the profile thin-volume companies cannot show - their pages stop at a short bar list because the sample cannot support a concentration read.
Geography tells a similar story: the top three states (Florida, Georgia, Texas) hold a 35.8% share of state-tagged volume across 55 jurisdictions on file. A concentrated state trio can hint at regional servicing stress; a flatter map usually tracks a nationwide book.
Among coded company responses, "Closed with explanation" leads at a 83.6% share among the 24,038 response-tagged complaints (20,106 filings). Read that mix next to the timely-response and relief rates above - both describe process outcomes, not a finding of wrongdoing.
Peak filing year was 2025 (8,138 complaints); the lightest year on file was 2013 (44). From 2024 to 2025, annual volume rose 84.3% (4,416 → 8,138). Year-to-year swings at this volume usually track product launches, servicing changes, and consumer awareness more than a single-event spike.
What the CFPB Complaint Record Shows for CCS Financial Services, Inc.
The CFPB Consumer Complaint Database has logged 24,038 complaints against CCS Financial Services, Inc. overall, with 9,466 of those filed in the trailing 12 months. Reports have come from consumers in 55 states and territories, making this a nationwide complaint footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Attempts to collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CCS Financial Services, Inc.'s timely response rate stands at 82.7%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. Consumers formally disputed the company's response at a 11.1% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, 15.7% 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 CCS Financial Services, Inc. have?
CCS Financial Services, Inc. has 24,038 total consumer complaints filed with the CFPB, with 9,466 filed in the last 12 months.
Does CCS Financial Services, Inc. respond to complaints on time?
CFPB complaints against CCS Financial Services, Inc. draw a 82.7% timely-response rate inside the expected window.
What product generates the most complaints for CCS Financial Services, Inc.?
The most complained-about product for CCS Financial Services, Inc. is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with CCS Financial Services, Inc.?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against CCS Financial Services, Inc. - see all issues and counts above.
How do I file a complaint against CCS Financial Services, Inc.?
You can file a complaint against CCS Financial 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 CCS Financial Services, Inc.?
Consumers in 55 states and territories have filed complaints about CCS Financial 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for CCS Financial Services, Inc.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar complaint volume
Nearest companies by total CFPB complaint count (24,038 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (11.1% here).
Also handles Debt collection
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.