Bull City Financial Solutions, Inc
A federal complaint-record lookup, not a rating from us.
Debt Collector, CFPB Complaint Profile Specializes in: Other 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 | 6 |
| 2014 | 18 |
| 2015 | 25 |
| 2016 | 40 |
| 2017 | 76 |
| 2018 | 70 |
| 2019 | 81 |
| 2020 | 89 |
| 2021 | 182 |
| 2022 | 151 |
| 2023 | 178 |
| 2024 | 365 |
| 2025 | 751 |
| 2026 | 250 |
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 Bull City Financial Solutions, Inc
1,770 debt-collection complaints against Bull City Financial Solutions, Inc appear in the CFPB record - 77.6% of the 2,282 complaints filed about this entity. The 42 states and territories represented make this a nationwide operation by complaint volume. Consumers most frequently describe "Other debt" as the debt type behind their complaint about this collector. "Attempts to collect debt not owed" comes up most often as the specific issue cited - worth a look for anyone trying to spot this collector's recurring pain point.
97.5% of CFPB-forwarded complaints against this company get a reply inside the Bureau's 15-day window. That is at or above benchmark levels, pointing to an intake process working as intended. Of resolved cases, 0.4% closed with monetary or non-monetary relief to the consumer, which is a notably low relief ratio and worth weighing against the disputed-response percentage. The response was formally disputed in 23.7% of resolved cases, indicating how frequently the initial fix fell short.
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 Bull City Financial Solutions, Inc have?
Bull City Financial Solutions, Inc has 1,770 debt collection complaints filed with the CFPB, representing 77.6% of all complaints against this company.
Does Bull City Financial Solutions, Inc respond to complaints on time?
Bull City Financial Solutions, Inc's CFPB timely-response rate is 97.5%. That puts it among the more responsive collectors in the CFPB dataset.
Does Bull City Financial Solutions, Inc provide relief to consumers?
Of resolved complaints against Bull City Financial Solutions, Inc, 0.4% ended with consumer relief of some kind.
What type of debt does Bull City Financial Solutions, Inc primarily collect?
Based on CFPB complaint records, Bull City Financial Solutions, Inc's primary debt type is "Other debt"; the complete breakdown is shown above.
What rights do I have against Bull City Financial Solutions, 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 Bull City Financial Solutions, Inc active?
CFPB data shows consumer complaints against Bull City Financial Solutions, Inc from 42 states and territories.
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.