CFPB Consumer Complaint Profile
Creditors Specialty Service Inc
Behind the 26 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
- 26
- Total complaints
- Mid-range
- 0
- Last 12 months
- 23.1%
- Timely response
- Bottom decile
- 7
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Creditors Specialty Service Inc has accumulated 26 complaints, placing it #2538 by volume. It posts a 23.1% on-time response rate, the 1st percentile among companies with 100+ complaints.
- #2538
- of 3,843 companies by volume
- 23.1%
- on time (1st pctile)
- Debt collection
- most-complained product
- 7
- 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.
Creditors Specialty Service Inc vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
23.1% Among the lowest higher than 1% 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 |
|---|---|
| 2016 | 16 |
| 2017 | 6 |
| 2018 | 2 |
| 2020 | 1 |
| 2021 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Creditors Specialty Service Inc
Creditors Specialty Service Inc carries 26 complaints in the CFPB's database, 0 of them filed within the past 12 months. Consumers spanning 7 states and territories have weighed in, giving this a geographically concentrated footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Cont'd attempts collect debt not owed" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Creditors Specialty Service Inc's timely response rate stands at 23.1%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is well below the 95% industry benchmark and is a material red flag, late or missing responses are one of the strongest predictors of CFPB supervisory interest. Resolved cases drew a formal consumer-dispute rate of 15.8% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, the consumer-relief closure rate is 3.8%.
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 Creditors Specialty Service Inc have?
The CFPB has logged 26 complaints against Creditors Specialty Service Inc to date, of which 0 came in over the last 12 months.
Does Creditors Specialty Service Inc respond to complaints on time?
CFPB complaints against Creditors Specialty Service Inc draw a 23.1% timely-response rate inside the expected window. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for Creditors Specialty Service Inc?
The most complained-about product for Creditors Specialty Service Inc is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Creditors Specialty Service Inc?
The most common issue reported by consumers about Creditors Specialty Service Inc is "Cont'd attempts collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against Creditors Specialty Service Inc?
You can file a complaint against Creditors Specialty 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 Creditors Specialty Service Inc?
Creditors Specialty Service Inc has drawn CFPB complaints from 7 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Creditors Specialty 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 (15.8% 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.