CFPB Consumer Complaint Profile
GFS, Inc.
Consumers have filed 41 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
- 41
- Total complaints
- Mid-range
- 9
- Last 12 months
- 100%
- Timely response
- Top decile
- 14
- States affected
The verdict
41 CFPB complaints put GFS, Inc. at #2018 out of 3,843 financial companies ranked by complaint volume. It posts a 100% on-time response rate, the 86th percentile among companies with 100+ complaints.
- #2018
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Debt collection
- most-complained product
- 14
- 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.
GFS, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% 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 | 1 |
| 2014 | 3 |
| 2015 | 1 |
| 2016 | 3 |
| 2017 | 2 |
| 2018 | 1 |
| 2020 | 2 |
| 2021 | 3 |
| 2022 | 2 |
| 2023 | 3 |
| 2024 | 10 |
| 2025 | 7 |
| 2026year in progress | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for GFS, Inc.
41 complaints against GFS, Inc. appear in the CFPB record, including 9 from the trailing year. The 14 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. Inside that category, "Written notification about debt" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
CFPB-forwarded complaints against GFS, Inc. draw a 100% 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. The company's response carried a 20% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. 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 GFS, Inc. have?
The CFPB has logged 41 complaints against GFS, Inc. to date, of which 9 came in over the last 12 months.
Does GFS, Inc. respond to complaints on time?
CFPB complaints against GFS, Inc. draw a 100% timely-response rate inside the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for GFS, Inc.?
Among all products tied to GFS, Inc., "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with GFS, Inc.?
The most common issue reported by consumers about GFS, Inc. is "Written notification about debt." All complaint issues are listed above with their counts.
How do I file a complaint against GFS, Inc.?
You can file a complaint against GFS, 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 GFS, Inc.?
GFS, Inc. has drawn CFPB complaints from 14 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 GFS, 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 (20% 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.