CFPB Consumer Complaint Profile
Liberty Credit Services, 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
- 11
- Total complaints
- Below average
- 1
- Last 12 months
- 27.3%
- Timely response
- Bottom decile
- 2
- States affected
The verdict
By CFPB complaint volume, Liberty Credit Services, Inc. is #3589 out of 3,843 financial companies. On response speed it sits at the 1st percentile among companies with 100+ complaints.
- Debt collection
- most-complained product
- MN
- 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.
Liberty Credit Services, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
27.3% Among the lowest higher than 1% 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 |
|---|---|
| 2014 | 1 |
| 2015 | 2 |
| 2016 | 3 |
| 2017 | 4 |
| 2025 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Liberty Credit Services, Inc.
In the CFPB record, Liberty Credit Services, Inc. has a geographically concentrated complaint footprint. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. Inside that category, "Taking/threatening an illegal action" 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 Liberty Credit Services, 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 (22.2% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Liberty Credit Services, Inc. have?
Liberty Credit Services, Inc. has 11 total consumer complaints filed with the CFPB, with 1 filed in the last 12 months.
Does Liberty Credit Services, Inc. respond to complaints on time?
Liberty Credit Services, Inc. has a 27.3% timely response rate to CFPB complaints. This is below the typical industry benchmark of 95%.
What product generates the most complaints for Liberty Credit Services, Inc.?
The most complained-about product for Liberty Credit Services, Inc. is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Liberty Credit Services, Inc.?
Consumers most often cite "Taking/threatening an illegal action" when complaining about Liberty Credit Services, Inc.; the full issue list with counts is above.
How do I file a complaint against Liberty Credit Services, Inc.?
You can file a complaint against Liberty Credit Services, 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 Liberty Credit Services, Inc.?
Consumers in 2 states and territories have filed complaints about Liberty Credit Services, 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.