BCA Financial Services, Inc.
Sourced from the CFPB Consumer Complaint Database.
Debt Collector, CFPB Complaint Profile Specializes in: Medical debt
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Most consumers facing collection complaints carry utilization in the Fair-Poor band. FICO bands per myFICO + Experian guidance.
FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 3 |
| 2014 | 8 |
| 2015 | 17 |
| 2016 | 12 |
| 2017 | 15 |
| 2018 | 20 |
| 2019 | 12 |
| 2020 | 11 |
| 2021 | 17 |
| 2022 | 12 |
| 2023 | 18 |
| 2024 | 12 |
| 2025 | 21 |
| 2026 | 2 |
Complaints by State (Top 15)
Other Complaint Types
Your Rights with Debt Collectors
The Fair Debt Collection Practices Act (FDCPA) protects you from abusive, unfair, and deceptive collection practices.
- Request written verification of any debt within 30 days of first contact
- Dispute a debt if you believe it is incorrect or does not belong to you
- Demand the collector stop contacting you (in writing)
- File a complaint with the CFPB at consumerfinance.gov/complaint
What the CFPB Record Shows for BCA Financial Services, Inc.
161 debt-collection complaints against BCA Financial Services, Inc. appear in the CFPB record - 89.4% of the 180 complaints filed about this entity. The 14 states and territories represented make this a geographically focused operation by complaint volume. "Medical debt" is the debt type named most often in complaints against this collector, the category consumers reach for most when filing a CFPB report. The single most-cited specific issue is "Attempts to collect debt not owed" - a useful starting point for understanding where the friction between this collector and consumers most frequently occurs.
The company's timely response rate is 98.3%, meaning that share of CFPB-forwarded complaints received a reply within the 15-day window the Bureau expects. That clears the industry benchmark, a sign the intake process is functioning on schedule. 0.6% of resolved cases against this company closed with some form of consumer relief, a notably low ratio worth weighing against the disputed-response percentage. In 18.8% of resolved cases, the consumer formally disputed the response - a rough measure of how often the first resolution missed the mark.
How to read these numbers, and what to do if you're disputing a charge
Complaint volume alone does not prove wrongdoing, larger collection portfolios naturally produce more complaints, but the combination of timely-response rate, relief ratio, and dispute rate above gives a reasonable empirical picture of how this collector handles consumer interactions. Anyone in active dispute with this company should keep written records, use certified mail for verification requests (see your FDCPA rights above), and consider filing a CFPB complaint if standard resolution channels stall.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Frequently Asked Questions
How many debt collection complaints does BCA Financial Services, Inc. have?
BCA Financial Services, Inc. has 161 debt collection complaints filed with the CFPB, representing 89.4% of all complaints against this company.
Does BCA Financial Services, Inc. respond to complaints on time?
BCA Financial Services, Inc.'s CFPB timely-response rate is 98.3%. That puts it among the more responsive collectors in the CFPB dataset.
Does BCA Financial Services, Inc. provide relief to consumers?
Of resolved complaints against BCA Financial Services, Inc., 0.6% ended with consumer relief of some kind.
What type of debt does BCA Financial Services, Inc. primarily collect?
BCA Financial Services, Inc. primarily collects "Medical debt" based on CFPB complaint data. The full breakdown of debt types is shown above.
What rights do I have against BCA Financial Services, Inc.?
Under the Fair Debt Collection Practices Act (FDCPA), you can request written debt verification within 30 days, dispute debts you believe are incorrect, demand the collector stop contacting you in writing, and file a complaint with the CFPB at consumerfinance.gov/complaint.
In how many states is BCA Financial Services, Inc. active?
BCA Financial Services, Inc. has received consumer complaints from 14 states and territories, based on CFPB data.
Source: Consumer Financial Protection Bureau Consumer Complaint Database · Q1 2026 Complaints filed against firms, not individuals. Data through March 2026.
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the CFPB Consumer Complaint Database. Consult a qualified professional before making decisions based on this data.
Read our methodology - how this data is sourced, computed, and verified.