Debt collection
Credit Service debt collection complaints
Consumers have filed 81 complaints about Credit Service's debt collection, 39 in the last 12 months (+56%). Credit Service answered 0% on time and closed - with relief. See the whole Credit Service record.
Credit Service against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | Credit Service | 39 | 0% | - |
Latest Credit Service debt collection complaints
| 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 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 |
| 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 2, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Jun 2, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| May 26, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| May 25, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
| May 24, 2026 | Debt collection | Written notification about debtNotification didn't disclose it was an attempt to collect a debt | No timely reply |
| Apr 28, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | No timely reply |
| Apr 14, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | No timely reply |
| Apr 8, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | No timely reply |
| Apr 8, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | No timely reply |
| Apr 8, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | No timely reply |
| Mar 26, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | No timely reply |
| Mar 22, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | No timely reply |
| Mar 10, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | No timely reply |
| Feb 27, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Feb 13, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | No timely reply |
| Feb 10, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Feb 7, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Feb 3, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | No timely reply |
| Jan 27, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
| Jan 22, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Jan 20, 2026 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | No timely reply |
| Jan 20, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | No timely reply |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
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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