CFPB Consumer Complaint Profile
Financial Credit Service, Inc.
653 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-05-15
- 653
- Total complaints
- 0
- Last 12 months
- 91.7%
- Timely response
- 48
- States affected
The verdict
Among 3,848 financial companies tracked by CFPB complaint volume, Financial Credit Service, Inc. sits at #437, with 653 complaints logged. It answers 91.7% of complaints on time - below the 93% median for companies with 100+ complaints.
- #437
- of 3,848 companies by volume
- 91.7%
- answered on time
- Debt collection
- most-complained product
- 48
- states with complaints
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 | 5 |
| 2014 | 68 |
| 2015 | 158 |
| 2016 | 136 |
| 2017 | 141 |
| 2018 | 105 |
| 2019 | 35 |
| 2020 | 3 |
| 2021 | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Financial Credit Service, Inc.
The CFPB Consumer Complaint Database has logged 653 complaints against Financial Credit Service, Inc. overall, with 0 of those filed in the trailing 12 months. Reports have come from consumers in 48 states and territories, making this a nationwide complaint footprint. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "Cont'd attempts collect debt not owed," a reasonable starting point for understanding recurring friction.
91.7% of CFPB-forwarded complaints against Financial Credit Service, Inc. get a reply inside the Bureau's 15-day window. That sits below the 95% industry benchmark and tends to correlate with higher consumer dispute rates downstream. Consumers formally disputed the company's response in 11.6% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. 0% of resolved complaints ended with some monetary or non-monetary relief for 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 (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 Financial Credit Service, Inc. have?
The CFPB has logged 653 complaints against Financial Credit Service, Inc. to date, of which 0 came in over the last 12 months.
Does Financial Credit Service, Inc. respond to complaints on time?
91.7% of the CFPB complaints against Financial Credit Service, Inc. get a response within the expected window.
What product generates the most complaints for Financial Credit Service, Inc.?
Among all products tied to Financial Credit Service, Inc., "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Financial Credit Service, Inc.?
Consumers most often cite "Cont'd attempts collect debt not owed" when complaining about Financial Credit Service, Inc.; the full issue list with counts is above.
How do I file a complaint against Financial Credit Service, Inc.?
You can file a complaint against Financial Credit 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 Financial Credit Service, Inc.?
Financial Credit Service, Inc. has drawn CFPB complaints from 48 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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~653)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.