CFPB Consumer Complaint Profile

Bc Services, Inc.

251 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.

Data updated 2026-05-15

251
Total complaints
31
Last 12 months
90.8%
Timely response
33
States affected

The verdict

Bc Services, Inc. ranks #787 of 3,848 financial companies by CFPB complaint volume, with 251 complaints on record. 90.8% of its complaints get an on-time reply, falling short of the 93% median for the 100+ complaint peer group.

#787
of 3,848 companies by volume
90.8%
answered on time
Debt collection
most-complained product
33
states with complaints
Bc Services, Inc. timely response rate 90.8%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Debt collection - Medical debt 129
Debt collection - Medical 56
Debt collection - I do not know 27
Debt collection - Other (i.e. phone, health club, etc.) 15
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 12
Debt collection - Other debt 10
Credit reporting or other personal consumer reports - Credit reporting 1
Debt collection - Mortgage 1

Top Issues

1.Attempts to collect debt not owed 70
2.Written notification about debt 39
3.Cont'd attempts collect debt not owed 36
4.Disclosure verification of debt 28
5.Took or threatened to take negative or legal action 21
6.Communication tactics 19
7.False statements or representation 19
8.Incorrect information on your report 9
9.Problem with a credit reporting company's investigation into an existing problem 4
10.Improper contact or sharing of info 4

Complaints by Year

Year Complaints
2013 3
2014 16
2015 28
2016 26
2017 21
2018 17
2019 17
2020 19
2021 18
2022 14
2023 16
2024 19
2025 30
2026 7

Complaints by State (Top 15)

Colorado 139
Texas 23
Wyoming 11
California 10
Minnesota 7
North Carolina 5
Florida 4
Ohio 4
Utah 4
Arizona 4
Pennsylvania 4
Missouri 3
Kansas 3
Massachusetts 3
Idaho 2

Company Responses

Closed with explanation 188
Closed 37
Closed with non-monetary relief 21
Closed with monetary relief 3
Untimely response 2

What the CFPB Complaint Record Shows for Bc Services, Inc.

251 complaints against Bc Services, Inc. appear in the CFPB record, including 31 from the trailing year. The 33 states and territories represented put this footprint in multi-regional territory. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. The specific issue named most within that category is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction.

Within the Bureau's 15-day response window, Bc Services, Inc. answers 90.8% of forwarded complaints. That sits below the 95% industry benchmark and tends to correlate with higher consumer dispute rates downstream. The company's response was formally disputed in 39.2% of resolved cases, indicating how frequently the initial fix fell short. Of complaints that were resolved, 9.6% closed with some form of monetary or non-monetary relief to the consumer.

How to read complaint counts

Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.

Frequently Asked Questions

How many CFPB complaints does Bc Services, Inc. have?

The CFPB has logged 251 complaints against Bc Services, Inc. to date, of which 31 came in over the last 12 months.

Does Bc Services, Inc. respond to complaints on time?

Bc Services, Inc. has a 90.8% timely response rate to CFPB complaints.

What product generates the most complaints for Bc Services, Inc.?

"Debt collection" draws more CFPB complaints against Bc Services, Inc. than any other product - see the full breakdown above.

What is the most common complaint issue with Bc Services, Inc.?

"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against Bc Services, Inc. - see all issues and counts above.

How do I file a complaint against Bc Services, Inc.?

You can file a complaint against Bc Services, Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.

In how many states have consumers complained about Bc Services, Inc.?

Consumers in 33 states and territories have filed complaints about Bc Services, Inc. with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.

Similar Companies

Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.