Debt collection
GCFS debt collection complaints
Consumers have filed 42 complaints about GCFS's debt collection, 2 in the last 12 months. GCFS answered 0% on time and closed - with relief. See the whole GCFS record.
GCFS 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 | GCFS | 2 | 0% | - |
Latest GCFS debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| 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 21, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | 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 |
| May 16, 2024 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Apr 11, 2024 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Dec 9, 2023 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Mar 2, 2023 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Oct 10, 2022 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Sep 9, 2022 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Sep 23, 2020 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Jul 2, 2020 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Jan 30, 2020 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jan 13, 2020 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| May 17, 2019 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Jan 25, 2019 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Sep 19, 2018 | Debt collection | Took or threatened to take negative or legal actionSeized or attempted to seize your property | Explained |
| Apr 23, 2018 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Apr 13, 2018 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Nov 24, 2017 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Oct 9, 2017 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Aug 13, 2017 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jul 3, 2017 | Debt collection | Took or threatened to take negative or legal actionThreatened to arrest you or take you to jail if you do not pay | Explained |
| Apr 13, 2017 | Debt collection | Improper contact or sharing of infoContacted employer after asked not to | Explained |
| Mar 2, 2017 | Debt collection | Taking/threatening an illegal actionAttempted to/Collected exempt funds | Explained |
| Jan 19, 2017 | Debt collection | Cont'd attempts collect debt not owedDebt resulted from identity theft | Explained |
| Nov 10, 2016 | Debt collection | Taking/threatening an illegal actionSued w/o proper notification of suit | Explained |
| Sep 12, 2016 | Debt collection | Cont'd attempts collect debt not owedDebt was discharged in bankruptcy | Fixed |
| Sep 12, 2016 | Debt collection | Taking/threatening an illegal actionThreatened to sue on too old debt | Explained |
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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