CFPB · Single-product concentration
Gcfs, Inc.
56 CFPB complaints · 75% in "Debt collection" · top issue Took or threatened to take negative or legal action.
Gcfs, Inc.: 75% of 56 CFPB complaints sit in "Debt collection". Timely 92.9% · relief 12.5%. Allegations, not findings.
- Single-product concentration
- +100% filings 2013 to 2026
CFPB relief outcome brief
CCDB company gcfs-inc
12.5% relief · 92.9% timely · 56 filings · Debt collection
Same-product relief peers
Nearest relief peer: Scott Fetzer Financial Group Inc. (12.5% relief)
Gcfs, Inc. closes 12.5% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Gcfs, Inc.'s 56 filings include narrative text
41.1% 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.
Gcfs, Inc. complaint mix by product
- Debt collection 42 79.2% – 14% relief
- Credit reporting 3 5.7% – 0% relief
- Credit card 3 5.7% – 0% relief
- Payday loan, 2 3.8% – 0% relief
- Payday loan, 1 1.9% – 0% relief
- Vehicle loan 1 1.9% – 0% relief
- Mortgage 1 1.9% – 0% relief
How Gcfs, Inc.'s 56 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 42 |
| Credit reporting or other personal consumer reports | 3 |
| Credit card | 3 |
| Payday loan, title loan, or personal loan | 2 |
| Payday loan, title loan, personal loan, or advance loan | 1 |
| Vehicle loan or lease | 1 |
| Mortgage | 1 |
| Bank account or service | 1 |
| Credit card or prepaid card | 1 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
Concentrated filing states for Gcfs, Inc.
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 85.7% of this company's filings
Gcfs, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 4
- +100% vs 2013
Top States
| State | Complaints |
|---|---|
| CA | 48 |
| TX | 2 |
| FL | 2 |
| HI | 1 |
| GA | 1 |
| AZ | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Took or threatened to take negative or legal action | 14 |
| Attempts to collect debt not owed | 7 |
| Taking/threatening an illegal action | 6 |
| Cont'd attempts collect debt not owed | 5 |
| Improper use of your report | 4 |
| Disclosure verification of debt | 3 |
| Written notification about debt | 3 |
| Getting a credit card | 2 |
| Improper contact or sharing of info | 2 |
| Problem with additional add-on products or services | 1 |
| Repossession | 1 |
| Application, originator, mortgage broker | 1 |
| False statements or representation | 1 |
| Deposits and withdrawals | 1 |
| Communication tactics | 1 |
| Identity theft / Fraud / Embezzlement | 1 |
| Struggling to pay your loan | 1 |
| Fees or interest | 1 |
| Charged fees or interest you didn't expect | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 2 | 100% |
| 2014 | 8 | 100% |
| 2015 | 3 | 100% |
| 2016 | 4 | 100% |
| 2017 | 9 | 100% |
| 2018 | 4 | 100% |
| 2019 | 2 | 100% |
| 2020 | 4 | 100% |
| 2021 | 1 | 100% |
| 2022 | 3 | 100% |
| 2023 | 2 | 100% |
| 2024 | 5 | 100% |
| 2025 | 5 | 100% |
| 2026 | 4 | 0% |
Source: CFPB Consumer Complaint Database
Gcfs, Inc. filings cluster in one product
Gcfs, Inc.'s 56 logged complaints stay concentrated: only 6 states show a filing. 41.1% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2013 through 2026-04-26.
Gcfs, Inc. answers 92.9% of complaints inside the CFPB's tracked window and closes 80.4% with a written explanation. 12.5% 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 "Took or threatened to take negative or legal action."
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 Gcfs, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Gcfs, 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: 56.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 92.9%.
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 Gcfs, Inc. (92.9% timely; 12.5% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration