CFPB Consumer Complaint Profile

King of Credit Financial, Inc

What 47 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.

Reviewed byPlaincredit Editorial, Consumer Credit Editorial Team · June 16, 2026

47
Total complaints: 19
Last 12 months: 70.2%
Timely response: 12
States affected

The verdict

King of Credit Financial, Inc ranks #1897 of 3,848 financial companies by CFPB complaint volume, with 47 complaints on record. It answers 70.2% of complaints on time — below the 93% median for companies with 100+ complaints.

#1897
of 3,848 companies by volume: 70.2%
answered on time: Credit reporting or …
most-complained product: 12
states with complaints

King of Credit Financial, Inc timely response rate 70.2%

Industry benchmark

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

Complaints by Product

Credit reporting or other personal consumer reports — Credit reporting 21

Vehicle loan or lease — Loan 9

Vehicle loan or lease — Lease 4

Credit card — General-purpose credit card or charge card 3

Credit reporting or other personal consumer reports — Other personal consumer report 2

Debt collection — Auto debt 2

Debt collection — Other debt 2

Debt collection — Credit card debt 1

Debt collection — I do not know 1

Credit reporting, credit repair services, or other personal consumer reports — Credit reporting 1

Top Issues

1.Incorrect information on your report 14

2.Improper use of your report 9

3.Attempts to collect debt not owed 6

4.Repossession 5

5.Managing the loan or lease 4

6.Problem with a purchase shown on your statement 3

7.Problems at the end of the loan or lease 2

8.Problem with a company's investigation into an existing problem 1

9.Problem with a company's investigation into an existing issue 1

10.Unable to get your credit report or credit score 1

Complaints by Year

Year	Complaints
2023	2
2024	18
2025	21
2026	6

Complaints by State (Top 15)

California 30

Pennsylvania 2

Illinois 2

Florida 2

Nevada 1

New Mexico 1

Georgia 1

Utah 1

Oklahoma 1

North Carolina 1

Texas 1

North Dakota 1

Company Responses

Closed with explanation 42

Untimely response 5

What the CFPB Complaint Record Shows for King of Credit Financial, Inc

The CFPB Consumer Complaint Database has logged 47 complaints against King of Credit Financial, Inc overall, with 19 of those filed in the trailing 12 months. Reports have come from consumers in 12 states and territories, making this a geographically concentrated complaint footprint. The single largest complaint category is "Credit reporting or other personal consumer reports," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Incorrect information on your report" — a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.

King of Credit Financial, Inc's timely response rate stands at 70.2%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That 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. Of complaints that were resolved, 0% closed with some form of monetary or non-monetary relief to the consumer.

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 King of Credit Financial, Inc have?

King of Credit Financial, Inc has 47 total consumer complaints filed with the CFPB, with 19 filed in the last 12 months.

Does King of Credit Financial, Inc respond to complaints on time?

King of Credit Financial, Inc has a 70.2% timely response rate to CFPB complaints. This is below the typical industry benchmark of 95%.

What product generates the most complaints for King of Credit Financial, Inc?

The most complained-about product for King of Credit Financial, Inc is "Credit reporting or other personal consumer reports." You can view the full product breakdown on this page.

What is the most common complaint issue with King of Credit Financial, Inc?

The most common issue reported by consumers about King of Credit Financial, Inc is "Incorrect information on your report." All complaint issues are listed above with their counts.

How do I file a complaint against King of Credit Financial, Inc?

You can file a complaint against King of Credit Financial, 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 King of Credit Financial, Inc?

Consumers in 12 states and territories have filed complaints about King of Credit Financial, Inc with the CFPB.

Consumer Credit Guides

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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.

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