Debt collector · complaint record
GCFS complaints
Filed under GCFS, INC.
Consumers have filed 56 complaints about GCFS since 2013, 4 of them in the last 12 months. It answered 0% on time and closed 13% with relief for the customer. The most common problem is took or threatened to take negative or legal action.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 56
- Last 12 months
- 4
- Answered on time
- 0%
- Closed with relief
- 13%
- Last 30 days
- 0
- Rank
- #1,016 of 1,963
Since November 2013
new vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Apr 26, 2026
Most complained-about debt collectors
GCFS complaints by month
The busiest month was March 2025 (3 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How GCFS answered all time
- Closed with monetary relief23.6%
- Closed with non-monetary relief58.9%
- Closed with explanation4580.4%
- Untimely response47.1%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What GCFS complaints are about
Top GCFS problems
Inside "Took or threatened to take negative or legal action"
- Threatened to sue you for very old debt 6
- Sued you without properly notifying you of lawsuit 4
- Seized or attempted to seize your property 2
- Threatened to arrest you or take you to jail if you do not pay 1
- Threatened or suggested your credit would be damaged 1
Where GCFS complaints come from
Most complaints: California (48), Florida (2), Texas (2), Georgia (1), Arizona (1).
GCFS compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Green SquareDebt collection | 10 | 25 | F |
| 2 | EMoneyUSADebt collection | 53 | 25 | C |
| 3 | Mullooly Jeffrey Rooney & FlynnDebt collection | 56 | 25 | C |
| 4 | Credit World ServicesDebt collection | 47 | 25 | D |
| 5 | Keynote ConsultingDebt collection | 10 | 25 | F |
| 6 | Augusta Collection AgencyDebt collection | 10 | 25 | F |
| 7 | Advance Bureau of CollectionsDebt collection | 19 | 25 | F |
| 8 | GCFSDebt collection | - | 4 | - |
Compare side by side: GCFS vs Green Square · GCFS vs EMoneyUSA · GCFS vs Mullooly Jeffrey Rooney & Flynn · GCFS vs Credit World Services
What people say about GCFS
All experiencesNo experiences with GCFS yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest GCFS complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Apr 26, 2026 | Auto loans & leases | RepossessionDeficiency balance after repossession | No timely reply |
| Apr 8, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | No timely reply |
| Mar 20, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | No timely reply |
| Jan 28, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
| Mar 28, 2025 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Mar 21, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Mar 6, 2025 | Credit cards | Getting a credit cardCard opened without my consent or knowledge | Explained |
| Feb 1, 2025 | Payday & personal loans | Problem with additional add-on products or services | Explained |
| Jan 3, 2025 | Credit cards | Getting a credit cardCard opened without my consent or knowledge | Explained |
| Dec 10, 2024 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Jul 24, 2024 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jun 11, 2024 | Debt collection | Took or threatened to take negative or legal actionSeized or attempted to seize your property | Explained |
Questions about GCFS
How many complaints does GCFS have?
GCFS has 56 complaints on record since November 2013, including 4 in the last 12 months and 0 in the last 30 days. That makes it number 2,028 of every company by complaints this year.
Does GCFS respond to complaints?
Yes. GCFS answered 0% of its complaints on time (within 15 days) and closed 13% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with GCFS?
The most common problems are took or threatened to take negative or legal action (14), improper use of your report (4), repossession (1).
Is GCFS legit?
GCFS is a real company with a public complaint record: consumers have complained about it 56 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is GCFS legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against GCFS?
Complain to GCFS 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 GCFS complaints come from?
Most come from California (48), Florida (2), Texas (2). 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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