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Data / Consumer complaints / GFS II, LLC

GFS II, LLC: 215 CFPB consumer complaints in the last 3 years

GFS II, LLC drew 215 consumer complaints in the CFPB database in the three years to November 6, 2026, and 343 since 2014. The largest group, 75, was about vehicle loan or lease, and the most common issue was “Incorrect information on your report” with 38. The company responded on time to 100.0% of the complaints, and 0.0% closed with monetary or other relief.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

Watch this company's complaintsGet every vehicle loan or lease companyGet vehicle loan or lease in Michigan
  • 215Complaints, last 3 years
  • 343Complaints, all years
  • 100.0%Responded on time
  • 0.0%Closed with relief
  • 5Products
  • Nov 4, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 657
202597
202453
202342
202223
202120
20206
201911
201812
201711
20164
20155
20142

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

ProductComplaintsShare
Vehicle loan or lease7534.9%
Credit reporting or other personal consumer reports7434.4%
Debt collection6429.8%
Checking or savings account10.5%
Mortgage10.5%

Issues

IssueComplaintsShare
Incorrect information on your report3817.7%
Managing the loan or lease3114.4%
Problem with a company's investigation into an existing problem2511.6%
Repossession2511.6%
Attempts to collect debt not owed209.3%
Improper use of your report188.4%
False statements or representation177.9%
Took or threatened to take negative or legal action177.9%
Written notification about debt94.2%
Struggling to pay your loan62.8%
Problems at the end of the loan or lease31.4%
Getting a loan or lease20.9%
Closing on a mortgage10.5%
Communication tactics10.5%
Problem with a lender or other company charging your account10.5%
Problem with fraud alerts or security freezes10.5%

How the company responded

Company responseComplaintsShare
Closed with explanation215100%

States

StateComplaintsShare
Michigan4018.6%
Illinois2813%
Ohio2411.2%
Indiana209.3%
Georgia198.8%
Missouri188.4%
Maryland177.9%
Virginia136%
Tennessee83.7%
District of Columbia52.3%
Texas52.3%
Florida31.4%
Alabama20.9%
Colorado20.9%
North Carolina20.9%
New York20.9%
California10.5%
Kansas10.5%
Kentucky10.5%
Louisiana10.5%
Minnesota10.5%
Pennsylvania10.5%
Wisconsin10.5%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
November 4, 2026Vehicle loan or leaseManaging the loan or leaseClosed with explanationconsumerfinance.gov
October 26, 2026Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
October 25, 2026Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
October 24, 2026Vehicle loan or leaseManaging the loan or leaseClosed with explanationconsumerfinance.gov
October 24, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 20, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
October 14, 2026Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
October 14, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 8, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 3, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
September 29, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
September 25, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
September 23, 2026Vehicle loan or leaseManaging the loan or leaseClosed with explanationconsumerfinance.gov
September 15, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
September 3, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
August 31, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
August 26, 2026Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
August 26, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
August 17, 2026Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
August 16, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
August 9, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
August 6, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 27, 2026Vehicle loan or leaseProblems at the end of the loan or leaseClosed with explanationconsumerfinance.gov
July 24, 2026Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
July 20, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
June 27, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
June 26, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
June 26, 2026Vehicle loan or leaseManaging the loan or leaseClosed with explanationconsumerfinance.gov
June 22, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
June 16, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
June 5, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
May 27, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
May 26, 2026Vehicle loan or leaseIncorrect information on your reportClosed with explanationconsumerfinance.gov
May 13, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
May 6, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
April 30, 2026Vehicle loan or leaseIncorrect information on your reportClosed with explanationconsumerfinance.gov
April 10, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
April 6, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
April 4, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
April 4, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
March 11, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
March 11, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
March 9, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
March 6, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
March 4, 2026Vehicle loan or leaseIncorrect information on your reportClosed with explanationconsumerfinance.gov
March 3, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
February 26, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
February 23, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
February 21, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
February 18, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.