CFPB Consumer Complaint Profile
Creditor's Collection Service, Inc.
Consumers have filed 108 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 108
- Total complaints
- Mid-range
- 0
- Last 12 months
- 98.1%
- Timely response
- Below median
- 15
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Creditor's Collection Service, Inc. sits at #1277, with 108 complaints logged. On-time replies land at 98.1%, the 48th percentile for the 100+ complaint peer group.
- #1277
- of 3,843 companies by volume
- 98.1%
- on time (48th pctile)
- Debt collection
- most-complained product
- 15
- 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.
Creditor's Collection Service, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
98.1% Around the middle higher than 48% 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 |
|---|---|
| 2013 | 3 |
| 2014 | 9 |
| 2015 | 5 |
| 2016 | 13 |
| 2017 | 14 |
| 2018 | 16 |
| 2019 | 13 |
| 2020 | 16 |
| 2021 | 12 |
| 2022 | 6 |
| 2023 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Creditor's Collection Service, Inc.
The CFPB Consumer Complaint Database has logged 108 complaints against Creditor's Collection Service, Inc. overall, with 0 of those filed in the trailing 12 months. Reports have come from consumers in 15 states and territories, making this a multi-regional 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. The specific issue named most within that category is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction.
Creditor's Collection Service, Inc.'s timely response rate stands at 98.1%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. The company's response carried a 17.9% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. 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 Creditor's Collection Service, Inc. have?
The CFPB has logged 108 complaints against Creditor's Collection Service, Inc. to date, of which 0 came in over the last 12 months.
Does Creditor's Collection Service, Inc. respond to complaints on time?
Creditor's Collection Service, Inc.'s CFPB timely-response rate is 98.1%. This is considered excellent.
What product generates the most complaints for Creditor's Collection Service, Inc.?
"Debt collection" draws more CFPB complaints against Creditor's Collection Service, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Creditor's Collection Service, Inc.?
Consumers most often cite "Attempts to collect debt not owed" when complaining about Creditor's Collection Service, Inc.; the full issue list with counts is above.
How do I file a complaint against Creditor's Collection Service, Inc.?
You can file a complaint against Creditor's Collection Service, 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 Creditor's Collection Service, Inc.?
Consumers in 15 states and territories have filed complaints about Creditor's Collection Service, 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 Creditor's Collection Service, 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 dispute rates
Nearest companies by share of complaints marked disputed (17.9% 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.