CFPB · Single-product concentration
Financial Credit Service, Inc.
653 CFPB complaints · 96% in "Debt collection" · top issue Cont'd attempts collect debt not owed.
Financial Credit Service, Inc.: 96% of 653 CFPB complaints sit in "Debt collection". Timely 91.7% · relief 0%. Allegations, not findings.
- Single-product concentration
- -60% filings 2013 to 2021
CFPB relief outcome brief
CCDB company financial-credit-service-inc
0% relief · 91.7% timely · 653 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
Financial Credit Service, Inc. closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Financial Credit Service, Inc.'s 653 filings include narrative text
45.2% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Financial Credit Service, Inc. complaint mix by product
- Debt collection 627 96.0% – 0% relief
- Credit card 10 1.5% – 0% relief
- Consumer Loan 9 1.4% – 0% relief
- Payday loan 3 0.5% – 0% relief
- Payday loan, 2 0.3% – 0% relief
- Bank account 1 0.2% – 0% relief
- Checking or 1 0.2% – 0% relief
How Financial Credit Service, Inc.'s 653 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 627 |
| Credit card | 10 |
| Consumer Loan | 9 |
| Payday loan | 3 |
| Payday loan, title loan, or personal loan | 2 |
| Bank account or service | 1 |
| Checking or savings account | 1 |
Nationwide filing states for Financial Credit Service, Inc.
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 15% of this company's filings
Financial Credit Service, Inc. falling annual filings
Annual filing volume from the CFPB public database
- 2021
- 2
- -60% vs 2013
Top States
| State | Complaints |
|---|---|
| TX | 98 |
| CA | 85 |
| FL | 58 |
| GA | 26 |
| VA | 22 |
| NY | 21 |
| WA | 21 |
| OR | 19 |
| PA | 18 |
| OH | 18 |
| NV | 17 |
| AZ | 16 |
| NJ | 15 |
| OK | 15 |
| NC | 14 |
| MD | 14 |
| SC | 13 |
| LA | 12 |
| MO | 11 |
| MI | 10 |
Top Issues
| Issue | Complaints |
|---|---|
| Cont'd attempts collect debt not owed | 126 |
| Taking/threatening an illegal action | 121 |
| Communication tactics | 97 |
| Attempts to collect debt not owed | 90 |
| Took or threatened to take negative or legal action | 81 |
| False statements or representation | 42 |
| Disclosure verification of debt | 29 |
| Improper contact or sharing of info | 22 |
| Written notification about debt | 14 |
| Problems when you are unable to pay | 6 |
| Threatened to contact someone or share information improperly | 5 |
| Identity theft / Fraud / Embezzlement | 2 |
| Can't contact lender | 2 |
| Managing the loan or lease | 1 |
| Sale of account | 1 |
| Can't stop charges to bank account | 1 |
| Deposits and withdrawals | 1 |
| Bankruptcy | 1 |
| Closing/Cancelling account | 1 |
| Customer service / Customer relations | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 5 | 100% |
| 2014 | 68 | 86.8% |
| 2015 | 158 | 88% |
| 2016 | 136 | 86.8% |
| 2017 | 141 | 97.2% |
| 2018 | 105 | 96.2% |
| 2019 | 35 | 100% |
| 2020 | 3 | 100% |
| 2021 | 2 | 100% |
Source: CFPB Consumer Complaint Database
Financial Credit Service, Inc. filings cluster in one product
Financial Credit Service, Inc.'s 653 logged complaints reach a nationwide footprint - 48 states have at least one filing. 45.2% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2013 through 2021-07-06.
Financial Credit Service, Inc. answers 91.7% of complaints inside the CFPB's tracked window and closes 99.1% with a written explanation. 0% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Cont'd attempts collect debt not owed."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Financial Credit Service, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Financial Credit Service, Inc.: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 653.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 91.7%.
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.
Data sourced from official public datasets for Financial Credit Service, Inc. (91.7% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration