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 2026-08-14
- 653
- Total complaints
- Above average
- 0
- Last 12 months
- 91.7%
- Timely response
- Bottom quartile
- 48
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Financial Credit Service, Inc. sits at #436, with 653 complaints logged. It posts a 91.7% on-time response rate, the 21st percentile among companies with 100+ complaints.
- #436
- of 3,843 companies by volume
- 91.7%
- on time (21st pctile)
- Debt collection
- most-complained product
- 48
- 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.
Financial Credit Service, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
91.7% Among the lowest higher than 21% 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 | 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.
CFPB-forwarded complaints against Financial Credit Service, Inc. draw a 91.7% reply rate 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 at a 11.6% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 0% rate.
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 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?
CFPB complaints against Financial Credit Service, Inc. draw a 91.7% timely-response rate inside 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Financial Credit 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 (11.6% 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.