CFPB Consumer Complaint Profile
General Credit Services
What 23 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 23
- Total complaints
- Mid-range
- 4
- Last 12 months
- 95.7%
- Timely response
- Below median
- 6
- States affected
The verdict
23 CFPB complaints put General Credit Services at #2678 out of 3,843 financial companies ranked by complaint volume. It posts a 95.7% on-time response rate, the 33rd percentile among companies with 100+ complaints.
- #2678
- of 3,843 companies by volume
- 95.7%
- on time (33rd 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.
General Credit Services vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
95.7% Around the middle higher than 33% 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 | 1 |
| 2017 | 4 |
| 2018 | 1 |
| 2019 | 1 |
| 2020 | 2 |
| 2021 | 4 |
| 2022 | 2 |
| 2023 | 1 |
| 2024 | 3 |
| 2025 | 4 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for General Credit Services
23 complaints against General Credit Services appear in the CFPB record, including 4 from the trailing year. The 6 states and territories represented put this footprint in geographically concentrated territory. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. The specific issue named most within that category is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, General Credit Services posts a 95.7% reply rate on forwarded complaints. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Resolved cases drew a formal consumer-dispute rate of 0% - a rough measure of how often the first resolution missed the mark. 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 General Credit Services have?
The CFPB has logged 23 complaints against General Credit Services to date, of which 4 came in over the last 12 months.
Does General Credit Services respond to complaints on time?
General Credit Services has a 95.7% timely response rate to CFPB complaints. That is a strong response record by CFPB standards.
What product generates the most complaints for General Credit Services?
The most complained-about product for General Credit Services is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with General Credit Services?
Consumers most often cite "Attempts to collect debt not owed" when complaining about General Credit Services; the full issue list with counts is above.
How do I file a complaint against General Credit Services?
You can file a complaint against General Credit Services 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 General Credit Services?
The CFPB has recorded complaints against General Credit Services from 6 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for General Credit Services: 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 (0% 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.