Credit bureau · complaint record
Liberty Credit Services complaints
Filed under Liberty Credit Services, Inc.
Consumers have filed 12 complaints about Liberty Credit Services since 2014, 1 of them in the last 12 months. It answered 0% on time and closed 0% with relief for the customer. The most common problem is problem with a company's investigation into an existing problem.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 12
- Last 12 months
- 1
- Answered on time
- 0%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #418 of 566
Since December 2014
new vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Mar 27, 2026
Most complained-about credit bureaus & report companies
Liberty Credit Services complaints by month
The busiest month was March 2017 (2 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Liberty Credit Services answered all time
- Closed with explanation1083.3%
- Untimely response216.7%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Liberty Credit Services complaints are about
Top Liberty Credit Services problems
Inside "Taking/threatening an illegal action"
- Attempted to/Collected exempt funds 2
- Threatened to sue on too old debt 2
- Sued w/o proper notification of suit 1
Liberty Credit Services compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Apple FinancingCredit reporting | 57 | 28 | C |
| 2 | Nav TechnologiesCredit reporting | 55 | 28 | C |
| 3 | Opportunity FundCredit reporting | 51 | 27 | C |
| 4 | Heritage Financial GroupCredit reporting | 0 | 27 | F |
| 5 | Informative ResearchCredit reporting | 60 | 26 | C |
| 6 | Pennsylvania Housing Finance AgencyCredit reporting | 56 | 25 | C |
| 7 | King of Credit FinancialCredit reporting | 10 | 25 | F |
| 8 | Liberty Credit ServicesCredit reporting | - | 1 | - |
Compare side by side: Liberty Credit Services vs Apple Financing · Liberty Credit Services vs Nav Technologies · Liberty Credit Services vs Opportunity Fund · Liberty Credit Services vs Heritage Financial Group
What people say about Liberty Credit Services
All experiencesNo experiences with Liberty Credit Services yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Liberty Credit Services complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Mar 27, 2026 | Credit reporting | Problem with a company's investigation into an existing problemInvestigation took more than 30 days | No timely reply |
| Aug 14, 2025 | Credit reporting | Problem with a company's investigation into an existing problemProblem with personal statement of dispute | No timely reply |
| Aug 29, 2017 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | Explained |
| Apr 10, 2017 | Debt collection | Taking/threatening an illegal actionSued w/o proper notification of suit | Explained |
| Mar 23, 2017 | Debt collection | Taking/threatening an illegal actionAttempted to/Collected exempt funds | Explained |
| Mar 22, 2017 | Debt collection | Disclosure verification of debtRight to dispute notice not received | Explained |
| Sep 18, 2016 | Debt collection | Cont'd attempts collect debt not owedDebt is not mine | Explained |
| Aug 17, 2016 | Debt collection | Taking/threatening an illegal actionThreatened to sue on too old debt | Explained |
| Jul 7, 2016 | Debt collection | Taking/threatening an illegal actionThreatened to sue on too old debt | Explained |
| May 11, 2015 | Credit cards | Billing disputes | Explained |
| Apr 20, 2015 | Debt collection | Taking/threatening an illegal actionAttempted to/Collected exempt funds | Explained |
| Dec 9, 2014 | Debt collection | Cont'd attempts collect debt not owedDebt is not mine | Explained |
Questions about Liberty Credit Services
How many complaints does Liberty Credit Services have?
Liberty Credit Services has 12 complaints on record since December 2014, including 1 in the last 12 months and 0 in the last 30 days. That makes it number 3,042 of every company by complaints this year.
Does Liberty Credit Services respond to complaints?
Yes. Liberty Credit Services 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.
What do people complain about most with Liberty Credit Services?
The most common problems are problem with a company's investigation into an existing problem (2), taking/threatening an illegal action (5), cont'd attempts collect debt not owed (2).
Is Liberty Credit Services legit?
Liberty Credit Services is a real company with a public complaint record: consumers have complained about it 12 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Liberty Credit Services legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Liberty Credit Services?
Complain to Liberty Credit Services 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 Liberty Credit Services complaints come from?
Most come from Minnesota (6), Ohio (5), Texas (1). 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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