Complaints

This profile includes complaints for GCFS, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  GCFS, Inc.

  4301 Second Wind Way Paso Robles, CA 93446

• 

  GCFS, Inc.

  P.O. Box 3470 Paso Robles, CA 93447

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:01/15/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company was paid in 2007-2009 . The same company keep garnishing me over the years . They keep changing the name and selling the creditor .they have taken so much money from me . I can not afford a attorney and this company is scamming me

  Business Response

  Date: 01/22/2025

  Ms. J***** states the account in
  question was paid in 2007 - 2009. The account was not open during this time.
  
  The account in question was opened with
  the original creditor on
  October 27, 2011, and was sold to GCFS on
  May 8, 2012. Due to non-payment of the account GCFS obtained Judgment on April
  4, 2014.
  
  We were unable to resolve the debt/judgment
  with the consumer through voluntary payments and proceeded towards resolution
  of the debt/judgment by Earnings Withholding Orders. With the first earning
  withholding order we did not oppose her claim of exemption and collaborated
  with her accepting her offer to pay $50 each pay period; and began receiving
  payments through the sheriff from her employer.
  
  In 2015 the consumer filed bankruptcy,
  and the earning withholding order was stopped by us. The Bankruptcy was
  dismissed and closed by the court; they denied it.
  
  The debt/judgment balance remained unsatisfied;
  a new Earnings Withholding Order was obtained. The consumer filed a Claim of Exemption
  on which the court ordered that $100 be withheld every other pay period and we
  began receiving payments through the sheriff from her employer. One payment was
  received. The earning withholding order was stopped due to the consumers’ leave
  of absence.
  
  The debt/judgment balance remains unsatisfied,
  efforts to resolve continue. We are willing to collaborate with the consumer on
  a reasonable solution and encourage her to contact us.

  Customer Answer

  Date: 01/23/2025

  
  
  
  Complaint: 22812621
  
  
  
  I am rejecting this response because:

  This collection agency keep adding so much money  on on this debt . I have paid this debt over several times already . They keep taking me to court making me pay this debt over and over when the original amount was so low . I don’t have an attorney so they keep making me pay this debt over and over .adding so much interest on a daily rate . This is not right and unfair . Can they show the original amount instead of the thousands they are adding on to it 
  
  
  
  Regards,
  
  
  
  ****** J*****
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  

  
  

  Business Response

  Date: 01/31/2025

  We have investigated further as to the consumers statement that this was paid in 2009 or prior, which is before the account was assigned to us.

  In order to investigate further, we need assistance from the consumer. We need verification from the consumer of this account being paid. All records we have indicate it was not paid.  With cooperation we can work together to resolve the concerns with this account, which is now a judgment.

  Customer Answer

  Date: 02/03/2025

  
  
  
  
  I am rejecting this response because:
  
  
  
  Regards,
  
  
  
  ****** J*****
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  

  Customer Answer

  Date: 02/11/2025

  I did some research on the company cash call who was the original creditor . They can’t even give loans as  of 2018. They have  been sued and have had several class action law suits  where they have sold the loan to a company for Pennie’s and the company like this one buys the debt and over charge and charge so in much interest . Cash call have been on the news . How is this company able to do this to people . Cash call lost over a 134 million dollars lawsuit in 2023 for overcharging , adding so much interest .