Debt collector · complaint record
Credit Service complaints
Filed under Credit Service Company, INC
Consumers have filed 240 complaints about Credit Service since 2013, 41 of them in the last 12 months (+78% on the year before). It answered 100% on time and closed 0% with relief for the customer - less often than a typical debt collector. The most common problem is attempts to collect debt not owed.
Weak response record. How it works
- Complaints on record
- 240
- Last 12 months
- 41
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 3
- Rank
- #352 of 1,963
Since December 2013
+78% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Nov 8, 2026
Most complained-about debt collectors
Credit Service complaints by month
The busiest month was May 2026 (6 complaints). Complaints in the last 12 months are up 78% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Credit Service answered last 12 months
- Closed with explanation41100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers0/400% closed with relief
- Complaint trend2/15+78% vs last year
What Credit Service complaints are about
Top Credit Service problems
Inside "Attempts to collect debt not owed"
- Debt is not yours 46
- Debt was paid 20
- Debt was result of identity theft 5
- Debt was already discharged in bankruptcy and is no longer owed 2
Where Credit Service complaints come from
Most complaints: Texas (90), Colorado (88), New Mexico (8), Florida (5), Maryland (4).
Credit Service compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | CornerstoneDebt collection | 54 | 41 | C |
| 2 | Axela TechnologiesDebt collection | 25 | 41 | F |
| 3 | D2 ManagementDebt collection | 49 | 41 | D |
| 4 | Receivables ManagementDebt collection | 8 | 41 | F |
| 5 | Kansas CounselorsDebt collection | 100 | 41 | A |
| 6 | Merchants AcceptanceDebt collection | 62 | 41 | C |
| 7 | Midwest Receivable SolutionsDebt collection | 53 | 41 | C |
| 8 | Credit ServiceDebt collection | 47 | 41 | D |
Compare side by side: Credit Service vs Cornerstone · Credit Service vs Axela Technologies · Credit Service vs D2 Management · Credit Service vs Receivables Management
What people say about Credit Service
All experiencesNo experiences with Credit Service yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Credit Service complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 8, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 5, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 23, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 7, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Aug 29, 2026 | Debt collection | Electronic communicationsFrequent or repeated messages | Explained |
| Aug 27, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Aug 27, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Aug 24, 2026 | Credit reporting | Problem with a company's investigation into an existing problemInvestigation took more than 30 days | Explained |
| Aug 19, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 11, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Jul 29, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jul 21, 2026 | Debt collection | Electronic communicationsFrequent or repeated messages | Explained |
Questions about Credit Service
How many complaints does Credit Service have?
Credit Service has 240 complaints on record since December 2013, including 41 in the last 12 months and 3 in the last 30 days. That makes it number 748 of every company by complaints this year.
Does Credit Service respond to complaints?
Yes. Credit Service answered 100% of its complaints on time (within 15 days) and closed 0% 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 47/100 (grade D).
What do people complain about most with Credit Service?
The most common problems are attempts to collect debt not owed (73), false statements or representation (17), written notification about debt (55).
Is Credit Service legit?
Credit Service is a real company with a public complaint record: consumers have complained about it 240 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Credit Service legit? for the signals, red flags and how to protect yourself.
Are complaints about Credit Service going up or down?
Up. There were 41 complaints in the last 12 months against 23 in the 12 before (+78%). See every month.
How do I file a complaint against Credit Service?
Complain to Credit Service 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 Credit Service complaints come from?
Most come from Texas (90), Colorado (88), New Mexico (8). 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
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