Quick Answer: Consumer Credit Counseling Service of Greater Greensboro is a nonprofit credit counseling agency based in Greensboro, North Carolina. To evaluate whether they’re right for your situation, I’d encourage you to check their complaint history with the CFPB, verify their credentials, and review their publicly filed IRS Form 990. Here’s how to do each of those.
Before You Read This: I want to be upfront about what this page is and isn’t. I’m not rendering a verdict on Consumer Credit Counseling Service of Greater Greensboro. This is a research guide — I’m showing you where to look so you can reach your own conclusions based on current information.
If you find something in the public record that concerns you, post it in the comments below. If you’re evaluating their enrollment agreement or any contract, use my free Contract Decoder tool.
If you represent CCCS of Greater Greensboro and something here is inaccurate, contact me and I’ll review it promptly.
If you have inside information you feel you need to share with me privately: don’t. Whatever you want to share should be posted in the comments — by you, with your name attached. I’m not willing to be anyone’s conduit for information they won’t stand behind themselves.
The most valuable thing on this page may not be what I’ve written — it’s the comments section below. People who’ve actually worked with CCCS of Greater Greensboro share their experiences there. I’d encourage you to read them and add your own.
Who Is CCCS of Greater Greensboro?
An educated consumer is our best customer.— Sy Syms
New here? My Ultimate Consumer Guide to Checking Out a Debt Relief Company walks through how to vet any debt relief company before you sign anything.
Consumer Credit Counseling Service of Greater Greensboro is a nonprofit credit counseling agency. Rather than repeat what they say about themselves here, I’d encourage you to read their own website and IRS Form 990 filings — that way you’re seeing it directly from primary sources, not filtered through me.
Step 1: Check Their Credentials
Before anything else, verify they have the credentials they claim. Here’s what to check for a nonprofit credit counseling agency:
- NFCC Membership: The National Foundation for Credit Counseling member directory lists accredited nonprofit credit counselors. Verify CCCS of Greater Greensboro is listed there — and that their membership is current.
- COA Accreditation: The Council on Accreditation sets standards for nonprofit human service organizations. Check whether CCCS of Greater Greensboro holds COA accreditation.
- BBB Profile: Check their Better Business Bureau profile — look at the rating, years in business, and especially the complaint history and how they responded to each one.
- State Licensing (NMLS): Debt management companies must be licensed in each state they operate in. Check NMLS Consumer Access to verify their licensing in your state.
A Note on BBB Grades: A high BBB grade doesn’t necessarily mean a company is right for you — it means they respond to complaints filed through the BBB. Read the actual complaint text and the company’s responses. That’s the useful part. See my full guide to what BBB letter grades actually mean →
Step 2: Check Consumer Complaints
The Consumer Financial Protection Bureau maintains a public database of complaints filed against financial companies. You can search for CCCS of Greater Greensboro directly:
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Money you may be owed, scams to dodge, and the fine print decoded — the consumer money news that affects your wallet, every weekday.
Search CCCS of Greater Greensboro’s complaint history in the CFPB database →
When you’re reading complaints, look for:
- What the complaints are about — fees, program performance, communication problems?
- How the company responded — did they resolve issues or just close them?
- Whether the same issue appears repeatedly — a pattern matters more than a single complaint
- The ratio of complaints to customers — a large agency will have more complaints in raw numbers
Step 3: Read What Others Have Experienced
CCCS of Greater Greensboro doesn’t appear to have a Trustpilot profile, but there are other places to find consumer experiences:
How to evaluate reviews: Look beyond the star rating. What matters most is whether reviews describe actual outcomes — interest rates actually reduced, program completed on schedule, total cost as quoted. Outcome reviews tell you far more than enrollment-experience reviews.
- BBB reviews: The BBB profile includes both ratings and complaint text — read the actual complaints, not just the summary
- Google reviews: Search “CCCS of Greater Greensboro reviews” — Google reviews often surface candid accounts from clients who’ve completed the program
- Consumer forums: Reddit’s r/personalfinance often has threads from people who’ve worked with credit counseling agencies. Search by name.
Step 4: Read Their IRS Form 990
As a nonprofit, CCCS of Greater Greensboro is required to file an IRS Form 990 annually — and those filings are public. This is one of the most underused research tools available to consumers.
Find CCCS of Greater Greensboro’s Form 990 filings on ProPublica’s Nonprofit Explorer →
When you open a 990, here’s what to look for:
- Executive compensation — What does the executive director earn? Is it proportionate to the organization’s size and mission?
- Revenue vs. expenses — Are they running surpluses or consistent deficits? Multiple deficit years can signal financial instability.
- Program service revenue — How much of their income comes from the fees clients pay versus grants and donations?
- Mission alignment — Read their description of program services. Does what they say they do match how they describe their activities to the IRS?
- Conflict of interest policy — Part VI asks whether the organization has a conflict-of-interest policy and how it’s enforced
Why This Matters: Nonprofit status means they don’t pay corporate taxes and can accept tax-deductible donations — it doesn’t mean they’re automatically trustworthy or that their fees are low. The 990 is your window into how they actually operate.
Step 5: Ask the Right Questions Before You Enroll
Before signing anything: Run their contract through my free Contract Decoder tool. Paste it in and get a plain-English breakdown of what you’re agreeing to.
Before you commit to a debt management plan, get clear answers — in writing — to these questions:
- What is the total cost — monthly fees plus any enrollment fee — over the full length of the program?
- Which creditors do they have established relationships with, and which don’t participate?
- What happens to my accounts that aren’t included in the program?
- What are the consequences if I miss a payment or need to pause the program?
- How is my monthly payment held — in a trust account, and what happens to it if I cancel?
- What does “success” look like, and what percentage of people who enroll complete the program?
Before You Commit: A debt management plan isn’t right for everyone. Run your situation through my Find Your Path tool to see whether a DMP, debt settlement, bankruptcy, or another option fits your situation better.
Key Takeaways
- Verify NFCC membership and COA accreditation before anything else — and confirm they’re current
- Read CFPB complaints for patterns — not just raw numbers
- The IRS Form 990 is public — use ProPublica to see how the organization actually operates
- Check BBB profile and Google reviews for real client experiences
- Get answers to the enrollment questions in writing before you sign
- The comments section below contains real experiences from real clients — read them
Want the full research playbook? My Ultimate Consumer Guide to Checking Out a Debt Relief Company covers every tool and source in this guide — plus detailed walkthroughs for reading BBB profiles and searching federal court records on CourtListener.
Frequently Asked Questions
Is CCCS of Greater Greensboro a nonprofit?
Yes. Consumer Credit Counseling Service of Greater Greensboro is a nonprofit organization. Nonprofit status means the agency doesn’t pay corporate taxes and can accept tax-deductible donations — but it doesn’t automatically mean their fees are low or their services are superior. The Form 990 and credential verification will give you a clearer picture.
How do I file a complaint against CCCS of Greater Greensboro?
You can file a complaint directly with the CFPB at consumerfinance.gov/complaint. You can also file with the North Carolina Attorney General’s office, the BBB, and the NFCC if they’re a member. Filing with the CFPB creates a public record and triggers a required company response.
What is a debt management plan and how does it work?
A debt management plan (DMP) is a structured repayment program through a credit counseling agency. The agency negotiates reduced interest rates with your creditors, and you make a single monthly payment to the agency, which then distributes payments to each creditor. Programs typically run three to five years. During the program, enrolled accounts are usually closed, which affects your credit utilization temporarily.
Is CCCS of Greater Greensboro accredited?
To verify their current accreditation status, check the NFCC member directory and the Council on Accreditation directly. Accreditation status can change — verify it yourself rather than relying on the agency’s own claims.
Should I use CCCS of Greater Greensboro to get out of debt?
That depends entirely on your situation. A debt management plan works well for some people and isn’t the right fit for others — it depends on your income, the types of debt you have, and your goals. I’d encourage you to run your situation through my Find Your Path tool before committing to any program.
Share Your Experience with CCCS of Greater Greensboro
If you’ve worked with Consumer Credit Counseling Service of Greater Greensboro — as a client, a former employee, or someone who looked into them and decided not to enroll — I’d encourage you to share your experience in the comments. Your perspective helps others make a more informed decision.
To share your experience: Scroll to the bottom of this page — the comments box is there.
Before You Sign Anything: Run any debt relief contract through the free Contract Decoder to spot hidden fees and unfair terms. Check the company’s complaint history with the Scam-O-Meter.
Compare Your Real Options: Most debt relief companies won’t tell you about all your options — especially the ones they can’t profit from. Credit counseling has a 21-27% completion rate. Settlement resolves about 1% of enrolled debts fully. Bankruptcy has a 95% discharge rate — and protects your retirement. Take the Find Your Path quiz for a recommendation based on your actual numbers.
Browse all Credit Counseling & Debt Management reviews, or see the full Company Reviews directory.
