Debt collector · complaint record
CCS Financial Services complaints
Filed under CCS Financial Services, Inc.
Consumers have filed 29,862 complaints about CCS Financial Services since 2013, 10,265 of them in the last 12 months (+39% on the year before). It answered 99.9% on time and closed 3% with relief for the customer - less often than a typical debt collector. The most common problem is attempts to collect debt not owed. It is the 5th most complained-about of 1,963 debt collectors this year.
Average response record. How it works
- Complaints on record
- 29,862
- Last 12 months
- 10,265
- Answered on time
- 99.9%
- Closed with relief
- 3%
- Last 30 days
- 502
- Rank
- #5 of 1,963
Since July 2013
+39% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Nov 13, 2026
Most complained-about debt collectors
CCS Financial Services complaints by month
The busiest month was March 2026 (1,396 complaints). Complaints in the last 12 months are up 39% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How CCS Financial Services answered last 12 months
- Closed with non-monetary relief2792.7%
- Closed with explanation9,84095.9%
- In progress1461.4%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/4599.9% on time
- Relief for customers2/402.8% closed with relief
- Complaint trend6/15+39% vs last year
What CCS Financial Services complaints are about
Top CCS Financial Services problems last 12 months
Inside "Attempts to collect debt not owed"
- Debt is not yours 7,942
- Debt was result of identity theft 2,738
- Debt was paid 1,250
- Debt was already discharged in bankruptcy and is no longer owed 124
Where CCS Financial Services complaints come from
Most complaints: Florida (4,252), Texas (3,304), Georgia (3,154), California (1,906), Pennsylvania (1,595).
CCS Financial Services compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Portfolio Recovery AssociatesDebt collection | 89 | 21,733 | A |
| 2 | CCS Financial ServicesDebt collection | 53 | 10,265 | C |
| 3 | Kriya CapitalDebt collection | 86 | 8,832 | A |
| 4 | I.C. SystemDebt collection | 48 | 8,160 | D |
| 5 | National Credit SystemsDebt collection | 51 | 7,463 | C |
| 6 | Caine & WeinerDebt collection | 79 | 6,612 | B |
| 7 | Spring Oaks CapitalDebt collection | 89 | 5,662 | A |
| 8 | Servicer under contract with Federal Student AidDebt collection | 3 | 4,967 | F |
Compare side by side: CCS Financial Services vs Portfolio Recovery Associates · CCS Financial Services vs Kriya Capital · CCS Financial Services vs I.C. System · CCS Financial Services vs National Credit Systems
What people say about CCS Financial Services
All experiencesNo experiences with CCS Financial Services yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest CCS Financial Services complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 13, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Nov 13, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 13, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 13, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 13, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 12, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 12, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 11, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 11, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 11, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 11, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 11, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
Questions about CCS Financial Services
How many complaints does CCS Financial Services have?
CCS Financial Services has 29,862 complaints on record since July 2013, including 10,265 in the last 12 months and 502 in the last 30 days. That makes it number 22 of every company by complaints this year.
Does CCS Financial Services respond to complaints?
Yes. CCS Financial Services answered 99.9% of its complaints on time (within 15 days) and closed 3% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 53/100 (grade C).
What do people complain about most with CCS Financial Services?
The most common problems are attempts to collect debt not owed (12,054), took or threatened to take negative or legal action (3,036), written notification about debt (4,523).
Is CCS Financial Services legit?
CCS Financial Services is a real company with a public complaint record: consumers have complained about it 29,862 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is CCS Financial Services legit? for the signals, red flags and how to protect yourself.
Are complaints about CCS Financial Services going up or down?
Up. There were 10,265 complaints in the last 12 months against 7,388 in the 12 before (+39%). See every month.
How do I file a complaint against CCS Financial Services?
Complain to CCS Financial Services in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most CCS Financial Services complaints come from?
Most come from Florida (4,252), Texas (3,304), Georgia (3,154). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
Talk about CCS Financial Services
No comments yet. Start the conversation - questions are welcome too.