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 2026-08-14
- 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, with 274 complaints on record. On-time replies land at 97.4%, the 42nd percentile for the 100+ complaint peer group.
- #744
- of 3,843 companies by volume
- 97.4%
- on time (42nd pctile)
- Debt collection
- most-complained product
- 23
- 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.
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
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 | 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.
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.
CFPB-forwarded complaints against Gold Key Credit, Inc. draw a 97.4% 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 24.4% 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 67.5% 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 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.
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.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.