Debt collector · complaint record
Credit Service complaints
Filed under Credit Service Company
Consumers have filed 111 complaints about Credit Service since 2013, 49 of them in the last 12 months (+32% on the year before). It answered 0% on time and closed 0% with relief for the customer. The most common problem is attempts to collect debt not owed.
Poor response record. How it works
- Complaints on record
- 111
- Last 12 months
- 49
- Answered on time
- 0%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #323 of 1,963
Since July 2013
+32% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Sep 29, 2026
Most complained-about debt collectors
Credit Service complaints by month
The busiest month was April 2026 (8 complaints). Complaints in the last 12 months are up 32% 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
- Untimely response49100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time0/450% on time
- Relief for customers0/400% closed with relief
- Complaint trend7/15+32% vs last year
What Credit Service complaints are about
Top Credit Service problems
Inside "Attempts to collect debt not owed"
- Debt is not yours 25
- Debt was result of identity theft 4
- Debt was paid 4
Where Credit Service complaints come from
Most complaints: Texas (72), Montana (6), Oklahoma (5), Georgia (4), Colorado (4).
Credit Service compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Retail Merchants AssociatesDebt collection | 46 | 50 | D |
| 2 | Velo Law OfficeDebt collection | 37 | 50 | D |
| 3 | Time InvestmentDebt collection | 45 | 50 | D |
| 4 | Torres Credit ServicesDebt collection | 60 | 50 | C |
| 5 | National Recovery SolutionsDebt collection | 47 | 49 | D |
| 6 | Finance System of RichmondDebt collection | 10 | 49 | F |
| 7 | Credit ServiceDebt collection | 7 | 49 | F |
| 8 | Investment RetrieversDebt collection | 44 | 48 | D |
Compare side by side: Credit Service vs Retail Merchants Associates · Credit Service vs Velo Law Office · Credit Service vs Time Investment · Credit Service vs Torres Credit Services
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 |
|---|---|---|---|
| Sep 29, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Sep 22, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | No timely reply |
| Aug 25, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | No timely reply |
| Aug 23, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | No timely reply |
| Aug 22, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | No timely reply |
| Aug 21, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | No timely reply |
| Aug 15, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | No timely reply |
| Aug 11, 2026 | Credit cards | Advertising and marketing, including promotional offersConfusing or misleading advertising about the credit card | No timely reply |
| Jul 21, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | No timely reply |
| Jul 20, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Jul 19, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | No timely reply |
| Jun 24, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | No timely reply |
Questions about Credit Service
How many complaints does Credit Service have?
Credit Service has 111 complaints on record since July 2013, including 49 in the last 12 months and 0 in the last 30 days. That makes it number 680 of every company by complaints this year.
Does Credit Service respond to complaints?
Yes. Credit Service answered 0% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix. The rest were mostly closed with an explanation only. Its Response Score is 7/100 (grade F).
What do people complain about most with Credit Service?
The most common problems are attempts to collect debt not owed (33), written notification about debt (16), incorrect information on your report (14).
Is Credit Service legit?
Credit Service is a real company with a public complaint record: consumers have complained about it 111 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 49 complaints in the last 12 months against 37 in the 12 before (+32%). 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 (72), Montana (6), Oklahoma (5). 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 Credit Service
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