Financial Credit Service, Inc.
653 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About Financial Credit Service, Inc.
Financial Credit Service, Inc.'s 653 logged complaints reach a nationwide footprint - 48 states have at least one filing on record. 45.2% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - 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..
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 Financial Credit Service, Inc. have?
653, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Financial Credit Service, Inc. respond to complaints on time?
91.7% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Financial Credit Service, Inc.?
"Cont'd attempts collect debt not owed", filed under the "Debt collection" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.