CFPB Consumer Complaint Profile
Gold Key Credit, Inc.
Behind the CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 274
- Total complaints
- Above average
- 0
- Last 12 months
- 97.4%
- Timely response
- Below median
- 23
- States affected
The verdict
Gold Key Credit, Inc. ranks #744 of 3,843 financial companies by CFPB complaint volume. For answering complaints on time it stands at the 42nd percentile in the 100+ complaint peer group.
- Debt collection
- most-complained product
- FL
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
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.
Gold Key Credit, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
97.4% Around the middle higher than 42% 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
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
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)
Company Responses
What the CFPB Complaint Record Shows for Gold Key Credit, Inc.
In the CFPB record, Gold Key Credit, Inc. has a multi-regional complaint footprint. "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.
The timely-response measure counts forwarded complaints answered inside the Bureau's 15-day window. This company's rate clears the industry benchmark, pointing to intake and escalation processes that are working as intended. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Gold Key Credit, 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 (24.4% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
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?
CFPB complaints against Gold Key Credit, Inc. draw a 97.4% timely-response rate inside 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.