CFPB Consumer Complaint Profile
Golden State Collections LLC
The CFPB complaints on file trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 17
- Total complaints
- Below average
- 0
- Last 12 months
- 58.8%
- Timely response
- Bottom decile
- 3
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Golden State Collections LLC places #3073 by volume. Its on-time response record is at the 4th percentile among companies with 100+ complaints.
- Debt collection
- most-complained product
- CA
- 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.
Golden State Collections LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
58.8% Among the lowest higher than 4% 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 |
|---|---|
| 2015 | 1 |
| 2016 | 9 |
| 2017 | 4 |
| 2018 | 2 |
| 2020 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Golden State Collections LLC
The CFPB Consumer Complaint Database shows a geographically concentrated complaint footprint for Golden State Collections LLC, with consumers across the country filing against it. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Disclosure verification of debt" 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 is well below the 95% industry benchmark and is a material red flag: late or missing responses are one of the strongest predictors of CFPB supervisory interest. 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 Golden State Collections LLC: 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 (8.3% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Golden State Collections LLC have?
The CFPB has logged 17 complaints against Golden State Collections LLC to date, of which 0 came in over the last 12 months.
Does Golden State Collections LLC respond to complaints on time?
Golden State Collections LLC's CFPB timely-response rate is 58.8%. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for Golden State Collections LLC?
The most complained-about product for Golden State Collections LLC is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Golden State Collections LLC?
The most common issue reported by consumers about Golden State Collections LLC is "Disclosure verification of debt." All complaint issues are listed above with their counts.
How do I file a complaint against Golden State Collections LLC?
You can file a complaint against Golden State Collections LLC 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 Golden State Collections LLC?
Consumers in 3 states and territories have filed complaints about Golden State Collections LLC 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.