2026 data Public-data reference. official source

CCS Financial Services, Inc.

21.6K consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.

21.6K consumer complaints filed with the CFPB

This profile shows CCS Financial Services, Inc.'s complaint history from CFPB public records. 21,581 consumers have filed complaints since 2013. The company has a 83.5% timely response rate and has provided relief in 15.4% of cases.

21.6K
Total Complaints
83.5%
Timely Response
0.5%
Disputed
15.4%
Relief Provided
56
States Active
2013
Since

Total complaints

21.6K

Filed since 2013

Timely response

83.5%

CFPB-tracked response window

Relief rate

15.4%

Closed with monetary or non-monetary relief

Timely response rate 83.5%
Federal benchmark

CFPB benchmark: response within 15 calendar days of filing.

Relief rate 15.4%
Industry median

Share closed with monetary or non-monetary relief.

CCS Financial Services, Inc. complaint mix by product

Total complaints: 21.6K

CCS Financial Services, Inc. complaint mix by product Horizontal strip chart. Width of each segment is proportional to that category's share of the 21.6K total complaints. Trend arrow shows rolling 12-month direction. Inline badge shows resolution rate (% closed with relief). Debt collection: 17,030 complaints (79.0%), resolution 15.1% Debt collection 79.0% Credit reporting: 3,167 complaints (14.7%), resolution 23.1% Credit reporting 14.7% Credit reporting,: 1,302 complaints (6.0%), resolution 0.0% Credit reporting, 6.0% Debt or: 34 complaints (0.2%), resolution 14.7% Credit card: 15 complaints (0.1%), resolution 20.0% Credit reporting: 13 complaints (0.1%), resolution 0.0% Credit card: 7 complaints (0.0%), resolution 0.0%
  • Debt collection 17K 79.0% 15% relief
  • Credit reporting 3K 14.7% 23% relief
  • Credit reporting, 1K 6.0% 0% relief
  • Debt or 34 0.2% 15% relief
  • Credit card 15 0.1% 20% relief
  • Credit reporting 13 0.1% 0% relief
  • Credit card 7 0.0% 0% relief

How CCS Financial Services, Inc.'s 21.6K complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.

Complaints by Product

Product Complaints
Debt collection 17.0K
Credit reporting or other personal consumer reports 3.2K
Credit reporting, credit repair services, or other personal consumer reports 1.3K
Debt or credit management 34
Credit card 15
Credit reporting 13
Credit card or prepaid card 7
Vehicle loan or lease 3
Checking or savings account 3
Student loan 2
Payday loan, title loan, personal loan, or advance loan 1
Payday loan, title loan, or personal loan 1
Money transfer, virtual currency, or money service 1
Bank account or service 1
Consumer Loan 1

Top States

State Complaints
FL 3.1K
GA 2.4K
TX 2.3K
CA 1.4K
PA 1.2K
IL 859
NY 855
NC 818
NJ 763
OH 662
SC 606
AL 565
MD 509
MI 459
LA 419
VA 414
AZ 377
TN 362
MA 314
MO 280

Top Issues

Issue Complaints
Attempts to collect debt not owed 8.0K
Written notification about debt 3.4K
Took or threatened to take negative or legal action 2.3K
Incorrect information on your report 2.3K
False statements or representation 1.8K
Improper use of your report 1.1K
Problem with a company's investigation into an existing problem 685
Cont'd attempts collect debt not owed 583
Communication tactics 453
Problem with a credit reporting company's investigation into an existing problem 327
Disclosure verification of debt 204
Electronic communications 116
Threatened to contact someone or share information improperly 60
Improper contact or sharing of info 29
Credit monitoring or identity theft protection services 21
Fraud or scam 17
Incorrect information on credit report 13
Confusing or missing disclosures 11
Getting a credit card 8
Charged upfront or unexpected fees 7

Yearly Trend

Year Complaints Timely
2013 44 97.7%
2014 286 92.7%
2015 241 90%
2016 263 98.1%
2017 461 99.1%
2018 423 99.5%
2019 407 99.3%
2020 720 97.2%
2021 1.3K 92.3%
2022 1.3K 92.1%
2023 1.9K 95.5%
2024 3.8K 80.9%
2025 7.1K 65.2%
2026 3.4K 99.9%

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the CFPB Record Shows About CCS Financial Services, Inc.

CCS Financial Services, Inc. has accumulated 21,581 consumer complaints in the CFPB public database, with filings active across 56 U.S. states. Of those submissions, 4,969 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to 2013, and the most recent logged activity is 2026-04-08, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, CCS Financial Services, Inc. reports a 83.5% timely-response rate and has closed 83.9% of cases with a written explanation to the consumer. 15.4% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0.5% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "Debt collection", and the single most common underlying issue is "Attempts to collect debt not owed".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating CCS Financial Services, Inc.: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.

Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.

Frequently Asked Questions

How many CFPB complaints does CCS Financial Services, Inc. have?

CCS Financial Services, Inc. has received 21,581 consumer complaints filed with the Consumer Financial Protection Bureau.

Does CCS Financial Services, Inc. respond to complaints on time?

CCS Financial Services, Inc. has a 83.5% timely response rate to CFPB complaints.

What is the most common complaint about CCS Financial Services, Inc.?

The most common issue reported against CCS Financial Services, Inc. is "Attempts to collect debt not owed" in the "Debt collection" product category.

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