CFPB Consumer Complaint Profile

Gold Key Credit, Inc.

Behind the 274 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.

Data updated 2026-05-15

274
Total complaints
0
Last 12 months
97.4%
Timely response
23
States affected

The verdict

Gold Key Credit, Inc. ranks #746 of 3,848 financial companies by CFPB complaint volume, with 274 complaints on record. 97.4% of its complaints get an on-time reply, beating the 93% median for the 100+ complaint peer group.

#746
of 3,848 companies by volume
97.4%
answered on time
Debt collection
most-complained product
23
states with complaints
Gold Key Credit, Inc. timely response rate 97.4%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Debt collection - Medical 110
Debt collection - Medical debt 79
Debt collection - I do not know 45
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 24
Debt collection - Other (i.e. phone, health club, etc.) 9
Debt collection - Credit card debt 3
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services 2
Debt collection - Other debt 1
Debt collection - Credit card 1

Top Issues

1.Cont'd attempts collect debt not owed 66
2.Attempts to collect debt not owed 60
3.Disclosure verification of debt 45
4.Written notification about debt 39
5.Incorrect information on your report 17
6.False statements or representation 15
7.Communication tactics 13
8.Took or threatened to take negative or legal action 7
9.Problem with a credit reporting company's investigation into an existing problem 4
10.Improper contact or sharing of info 3

Complaints by Year

Year Complaints
2013 8
2014 26
2015 32
2016 47
2017 59
2018 78
2019 18
2020 5
2021 1

Complaints by State (Top 15)

Florida 152
New York 48
Ohio 18
Georgia 10
New Jersey 10
Michigan 5
Alabama 4
Louisiana 4
California 4
Maine 2
Illinois 2
Colorado 2
Washington 2
Utah 1
Connecticut 1

Company Responses

Closed with non-monetary relief 185
Closed with explanation 82
Untimely response 7

What the CFPB Complaint Record Shows for Gold Key Credit, Inc.

274 complaints against Gold Key Credit, Inc. appear in the CFPB record, including 0 from the trailing year. The 23 states and territories represented put this footprint in multi-regional territory. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Cont'd attempts collect debt not owed" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.

97.4% of CFPB-forwarded complaints against Gold Key Credit, Inc. get a reply 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 was formally disputed in 24.4% of resolved cases, indicating how frequently the initial fix fell short. 67.5% 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 Gold Key Credit, Inc. have?

Gold Key Credit, Inc. has 274 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.

Does Gold Key Credit, Inc. respond to complaints on time?

97.4% of the CFPB complaints against Gold Key Credit, Inc. get a response within the expected window. This is considered excellent.

What product generates the most complaints for Gold Key Credit, Inc.?

The most complained-about product for Gold Key Credit, Inc. is "Debt collection." You can view the full product breakdown on this page.

What is the most common complaint issue with Gold Key Credit, Inc.?

"Cont'd attempts collect debt not owed" is the single most frequently cited issue in complaints against Gold Key Credit, Inc. - see all issues and counts above.

How do I file a complaint against Gold Key Credit, Inc.?

You can file a complaint against Gold Key Credit, 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 Gold Key Credit, Inc.?

Consumers in 23 states and territories have filed complaints about Gold Key Credit, 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.

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Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.