GC Services is calling you about a debt, maybe a student loan, government balance, or old credit card. According to the FTC, GC Services paid a $700,000 settlement in 2017 for illegal collection tactics. Federal law gives you specific rights against exactly this kind of high-volume collector.
Key Takeaways
- Also known as GC LLC, GC Collections LLC, GCS, GCCS and Associates, GC Services LP, and InteLogix, headquartered at 6330 Gulfton, Houston, TX 77081
- A 2017 FTC settlement required GC Services to pay $700,000 for illegally disclosing debt to third parties and ignoring wrong-number requests
- Multiple federal class-action lawsuits from 2016 through 2023 allege misleading collection letters and buried debt validation notices
- GC Services specializes in federally held student loans and must still comply with federal debt collection law on those accounts
- You have 30 days from first contact to demand written debt verification
- Violations can carry statutory damages up to $1,000 each, plus attorney fees paid by GC Services if The Wood Firm PLLC wins
Free Case Review: +1-844-638-1122
Who Is GC Services
GC Services Limited Partnership is a Houston-based debt collection company that has operated since 1957. It runs roughly 30 call centers and employs about 10,000 people. The company handles an estimated 20 million calls a month, now partly under the InteLogix brand.
- Also Known As: GC LLC, GC Collections LLC, GCS, GCCS and Associates, GC Services LP, GC Services Limited Partnership, InteLogix
- Address: 6330 Gulfton, Houston, TX 77081
- Phone: (713) 777-4441 | 713-777-4441 | +1-713-777-4441 | 7137774441
GC Services works as both a first-party and third-party collector. As a first-party collector, it calls on behalf of creditors like Capital One without buying the debt. As a third-party collector, it purchases defaulted accounts and collects for its own benefit.
Our FDCPA, FCRA, and TCPA practice areas cover both scenarios.
In our practice, we request proof of account ownership on every GC Services file we open. Their dual role as both a first-party and third-party collector means the required documentation differs case to case. A collector that cannot produce that proof may lack standing to collect at all.
What Phone Numbers Does GC Services Call From
GC Services calls consumers from a small set of known numbers tied to its Houston office. If one of the numbers below has contacted you, the call likely came from this agency. Formal correspondence should go to their mailing address, not a number from your caller ID.
- (713) 777-4441, main Houston office
- (800) 366-8258
- (888) 452-2749
- (800) 210-7509
Send debt validation letters and cease-and-desist notices by certified mail to 6330 Gulfton, Houston, TX 77081.
Why Is GC Services Calling You
GC Services is calling you because a creditor assigned, referred, or sold your account to them for collection. Most commonly this involves a defaulted federal student loan, a charged-off credit card, or a government agency balance. Federal law requires them to tell you who owns the debt within five days of first contact.
The company holds contracts with the Department of Education for federal student loan collection. It also collects credit card debt for banks like Capital One and Synchrony Bank.
That includes store cards from retailers such as Best Buy and American Eagle Outfitters. The first call rarely makes clear which type of account you are dealing with.
Beyond the basic reason for the call, GC Services’ documented complaint patterns reveal specific tactics worth recognizing.
- Confusing debt amounts: the Aliev v. GC Services and Garita v. GC Services class actions allege collection letters failed to disclose that a shown balance could increase due to accruing interest
- Buried validation notices: the Peter v. GC Services case addressed whether letter language obscured your 30-day right to dispute the debt
- False government affiliation: the Trull v. GC Services case alleges GC Services implied government authority it does not have while collecting tax-related debts
- Continued wrong-number calls: the FTC’s 2017 settlement specifically cited automated systems that kept dialing consumers after being told they had the wrong person
- Third-party disclosure: the FTC settlement also addressed GC Services allegedly discussing debts with people other than the consumer
If any of these patterns match what you are experiencing, document it immediately with dates and details.
Is GC Services a Scam
GC Services is a real, licensed debt collection agency, but licensed does not mean every tactic is legal. A 2017 FTC settlement and more than ten federal lawsuits document tactics that may violate the FDCPA. Being a legitimate government contractor does not excuse illegal collection conduct.
Is GC Services Banned by the FTC
No. GC Services has not been banned by the FTC. In 2017, the agency paid a $700,000 settlement for illegally disclosing debt to third parties.
That settlement also covered continued calls to wrong numbers after being told to stop.
In our practice, we treat a documented FTC settlement as strong corroborating evidence. It shows a regulator already found the agency’s tactics unlawful once. That history can strengthen a private FDCPA claim built on similar conduct.
Has GC Services Been Sued for FDCPA Violations
Yes. GC Services has been named as a defendant in multiple federal FDCPA class actions.
- FTC v. GC Services (2017): a $700,000 settlement for illegally disclosing debt to third parties and continuing to call consumers after being told they had the wrong number
- Aliev v. GC Services (2017): alleged letters failed to disclose that the stated balance could increase due to ongoing interest
- Gavrielova v. GC Services (2017): alleged FDCPA violations in collection practices
- Feldman v. GC Services (2017): alleged improper notice of the 30-day right to dispute a debt
- O’Boyle v. GC Services (2016): a class action over form collection letters for Synchrony Bank accounts
- Garita v. GC Services (2018): alleged a listed balance did not account for accruing interest
- Reyes v. GC Services (2018): alleged false representations about how debt is reported to credit bureaus
- Smith v. GC Services (2021): alleged GC Services improperly required disputes in writing rather than allowing oral disputes
- Roger v. GC Services (2023): a motion to dismiss was granted in part and denied in part, allowing litigation to continue
These filings do not prove every allegation, but they document a pattern across nearly a decade. In our practice, we compare a new client’s letters and call logs against these filed complaints. Similar wording across multiple client files often points to a standard script.
How Does GC Services Collect on Federal Student Loans
GC Services collects on federal student loans through a direct contract with the Department of Education. On a defaulted loan, it can pursue wage garnishment, tax refund seizure, and Social Security offset. Those tools apply only after proper notice and a chance to contest.
GC Services cannot omit information you need to make an informed decision, even on a government-held loan. Pushing for immediate payment without mentioning rehabilitation or income-driven repayment options may be deceptive. That omission can be worth up to $1,000 in statutory damages.
Federal contractors must still honor consumer protection law on every call.
Who Does GC Services Collect For
GC Services collects for the Department of Education, major banks, and various government agencies. Federal student loan debt never expires. Credit card debt has a state-specific statute of limitations that may have already run, sometimes called zombie debt.
Ask GC Services in writing to identify the original creditor on your account. That answer determines which legal protections and deadlines apply to your specific situation.
How to Respond to GC Services
Taking the right steps, in order, protects your rights and preserves your options. For a broader overview, see our guide on what to do when a debt collector contacts you.
- Do not pay anything yet. Paying before verification can restart the statute of limitations on non-federal debt and may waive your dispute rights. Know what to say and not say before you speak to them.
- Send a debt validation request by certified mail within 30 days of first contact. Demand proof of the debt amount, the original creditor, and GC Services’ authority to collect.
- Document every call. Record the date, time, caller ID number, and exactly what was said, especially any threats. See our call-frequency guide for when volume alone becomes a violation.
- Send a written cease-and-desist if you want the calls to stop. After that, GC Services may contact you only to confirm the stop or notify you of a specific legal action. Know that workplace calls carry separate restrictions.
- Contact an attorney before the 30-day window closes. Once that deadline passes, enforcing your right to written validation becomes harder.
In our practice, we build a complete call-and-letter timeline before sending any written notice to GC Services. That timeline often determines whether a court sees an isolated mistake or a documented pattern. Learn more about how we work for you.
Can You Remove GC Services From Your Credit Report
GC Services reports collection accounts to the major credit bureaus. The Reyes v. GC Services class action alleged misleading representations about how those reports are made.
You have the right to dispute a GC Services tradeline directly with each bureau under our FCRA practice.
If GC Services cannot verify the debt after a bureau dispute, the tradeline must be removed.
You can also file a complaint documenting inaccurate reporting with the Consumer Financial Protection Bureau. An attorney can send a direct dispute that triggers a stricter verification requirement and a firm deadline.
How The Wood Firm PLLC Helps Stop GC Services Debt Harassment
When we open a GC Services file, we review the account type and the collector’s role. We check every call and letter for FDCPA violations. We compare the pattern against GC Services’ documented litigation history before building a strategy.
We have focused exclusively on consumer protection since 2010 and have never represented a creditor or collector. We work on contingency, so a client pays nothing unless we win. Once we send legal notice, contact often stops within 48 hours; call +1-844-638-1122.
Recognize any of these tactics in your own GC Services calls or letters? Visit our contact page or call +1-844-638-1122 for a free case review. If GC Services violated federal law, they pay our fees, not you.
Common Questions About GC Services
Why is GC LLC calling me
GC LLC is GC Services Limited Partnership, a Houston-based debt collector now operating partly as InteLogix. They are most likely calling about a defaulted federal student loan, a credit card, or a government balance. Federal law requires written notice of the debt within five days of first contact.
Is GC Services a legitimate collection agency or a scam
GC Services is a licensed debt collector with Department of Education contracts and Fortune 500 clients. A $700,000 FTC settlement and more than ten federal lawsuits document illegal tactics like third-party disclosure. Being legitimate does not make every tactic legal.
Who does GC Services collect for
GC Services collects for the Department of Education, Capital One, Synchrony Bank, retail credit accounts, and government agencies. Ask them in writing to identify the original creditor. That answer determines which legal protections apply to your situation.
How many calls from GC Services count as harassment
There is no fixed number in federal law. Repeated calls, especially after you ask them to stop, can constitute harassment. Each violation can be worth up to $1,000.
Can GC Services garnish my wages for a student loan
Yes, for a defaulted federal loan, but only after written notice and a chance to contest. They must also explain rehabilitation and repayment options first. Skipping those steps may be a violation you can act on.
What was the 2017 GC Services FTC settlement
GC Services paid $700,000 to the FTC for disclosing debt to third parties and ignoring wrong-number notices. Four separate class actions were filed that same year. That timing shows the settlement did not resolve the underlying practices.
Can I sue GC Services for harassment
Yes. Excessive calls, third-party disclosure, or obscured dispute notices can each support a federal lawsuit. You may recover up to $1,000 per violation plus attorney fees paid by GC Services.
What is GC Services’ phone number
Verified numbers include (713) 777-4441, (800) 366-8258, (888) 452-2749, and (800) 210-7509. For formal letters, use certified mail to 6330 Gulfton, Houston, TX 77081. Do not rely on a number from your caller ID.
What To Do Before GC Services Calls Again
Start a written log of every GC Services call and letter today, including dates, numbers, and exact statements. If any of the documented tactics above sound familiar, you may already have grounds for a federal claim.
A consultation costs nothing, and our firm only gets paid if you win. Call +1-844-638-1122 today to find out whether GC Services pays.
Jeff Wood founded The Wood Firm PLLC in 2010 and represents consumers exclusively, never creditors or collectors. He holds federal court admissions across 9 districts, including all courts of AR, CO, NM, and TX. He practices from Little Rock, AR.
