Client Services, Inc.

CFPB Consumer Complaint Profile

718
Total Complaints
166
Last 12 Months
100%
Timely Response
48
States Affected
Client Services, Inc. timely response rate 100.0%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Credit utilization context — why this matters

A primer on how revolving balance ratios shape credit-bureau scoring; useful when reading complaints about account closures and credit-line cuts.

Ideal (+0 to +10)0-10Healthy (~0 to -10)10-30Moderate (-10 to -30)30-50High (-30 to -50)50-75Very high (-45 to -70)75-100Maxed (-60 to -100+)100-12030%

FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.

Complaints by Product

Debt collection — Credit card debt 308
Debt collection — I do not know 196
Debt collection — Credit card 62
Credit reporting or other personal consumer reports — Credit reporting 34
Debt collection — Other debt 26
Credit reporting, credit repair services, or other personal consumer reports — Credit reporting 19
Debt collection — Other (i.e. phone, health club, etc.) 17
Debt collection — Medical debt 14
Debt collection — Payday loan debt 9
Debt collection — Auto debt 8

Top Issues

1.Attempts to collect debt not owed 203
2.Communication tactics 128
3.Written notification about debt 125
4.False statements or representation 58
5.Cont'd attempts collect debt not owed 36
6.Took or threatened to take negative or legal action 34
7.Incorrect information on your report 30
8.Improper contact or sharing of info 26
9.Disclosure verification of debt 19
10.Improper use of your report 13

Complaints by Year

Year Complaints
2013 13
2014 35
2015 32
2016 37
2017 36
2018 43
2019 51
2020 35
2021 49
2022 49
2023 47
2024 79
2025 181
2026 31

Complaints by State (Top 15)

Florida 91
California 76
Texas 60
New York 45
Georgia 37
New Jersey 31
Illinois 28
Pennsylvania 26
Michigan 23
Ohio 23
Arizona 22
Virginia 21
North Carolina 18
Maryland 17
Nevada 16

Company Responses

Closed with explanation 647
Closed with non-monetary relief 68
Closed with monetary relief 3

What the CFPB Complaint Record Shows for Client Services, Inc.

The CFPB Consumer Complaint Database has logged 718 complaints against Client Services, Inc. overall, with 166 of those filed in the trailing 12 months. Reports have come from consumers in 48 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.

Client Services, Inc.'s timely response rate stands at 100%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Consumers formally disputed the company's response in 13.4% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Of complaints that were resolved, 9.9% closed with some form of monetary or non-monetary relief to the consumer.

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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

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 Client Services, Inc. have?

Client Services, Inc. has 718 total consumer complaints filed with the CFPB, with 166 filed in the last 12 months.

Does Client Services, Inc. respond to complaints on time?

Client Services, Inc. has a 100% timely response rate to CFPB complaints. This is considered excellent.

What product generates the most complaints for Client Services, Inc.?

The most complained-about product for Client Services, Inc. is "Debt collection." You can view the full product breakdown on this page.

What is the most common complaint issue with Client Services, Inc.?

The most common issue reported by consumers about Client Services, Inc. is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.

How do I file a complaint against Client Services, Inc.?

You can file a complaint against Client 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 Client Services, Inc.?

Consumers in 48 states and territories have filed complaints about Client Services, Inc. with the CFPB.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

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