CFPB Consumer Complaint Profile
Gcfs, Inc.
Consumers have filed 53 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
- 53
- Total complaints
- Mid-range
- 2
- Last 12 months
- 98.1%
- Timely response
- Below median
- 6
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Gcfs, Inc. has accumulated 53 complaints, placing it #1775 by volume. It posts a 98.1% on-time response rate, the 48th percentile among companies with 100+ complaints.
- #1775
- of 3,843 companies by volume
- 98.1%
- on time (48th pctile)
- Debt collection
- most-complained product
- 6
- 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.
Gcfs, 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 | 2 |
| 2014 | 8 |
| 2015 | 3 |
| 2016 | 4 |
| 2017 | 9 |
| 2018 | 4 |
| 2019 | 2 |
| 2020 | 4 |
| 2021 | 1 |
| 2022 | 3 |
| 2023 | 2 |
| 2024 | 5 |
| 2025 | 5 |
| 2026year in progress | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Gcfs, Inc.
53 complaints against Gcfs, Inc. appear in the CFPB record, including 2 from the trailing year. The 6 states and territories represented put this footprint in geographically concentrated territory. "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 "Took or threatened to take negative or legal action," a reasonable starting point for understanding recurring friction.
CFPB-forwarded complaints against Gcfs, Inc. draw a 98.1% reply rate inside the Bureau's 15-day window. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Consumers formally disputed the company's response at a 19% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, the consumer-relief closure rate is 13.2%.
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 Gcfs, Inc. have?
The CFPB has logged 53 complaints against Gcfs, Inc. to date, of which 2 came in over the last 12 months.
Does Gcfs, Inc. respond to complaints on time?
Gcfs, Inc. has a 98.1% timely response rate to CFPB complaints. This is considered excellent.
What product generates the most complaints for Gcfs, Inc.?
"Debt collection" draws more CFPB complaints against Gcfs, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Gcfs, Inc.?
The most common issue reported by consumers about Gcfs, Inc. is "Took or threatened to take negative or legal action." All complaint issues are listed above with their counts.
How do I file a complaint against Gcfs, Inc.?
You can file a complaint against Gcfs, 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 Gcfs, Inc.?
Consumers in 6 states and territories have filed complaints about Gcfs, 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 Gcfs, 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 (19% 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.