CFPB Consumer Complaint Profile
BCA Financial Services, Inc.
Consumers have filed 180 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-05-15
- 180
- Total complaints
- 19
- Last 12 months
- 98.3%
- Timely response
- 14
- States affected
The verdict
Out of 3,848 financial companies in the CFPB database, BCA Financial Services, Inc. has accumulated 180 complaints, placing it #1004 by volume. 98.3% of its complaints get an on-time reply, beating the 93% median for the 100+ complaint peer group.
- #1004
- of 3,848 companies by volume
- 98.3%
- answered on time
- Debt collection
- most-complained product
- 14
- states with complaints
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
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)
Company Responses
What the CFPB Complaint Record Shows for BCA Financial Services, Inc.
180 complaints against BCA Financial Services, Inc. appear in the CFPB record, including 19 from the trailing year. The 14 states and territories represented put this footprint in geographically concentrated territory. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Attempts to collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
BCA Financial Services, Inc.'s timely response rate stands at 98.3%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. In 18.8% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. 0.6% of resolved complaints ended with some monetary or non-monetary relief for 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 BCA Financial Services, Inc. have?
The CFPB has logged 180 complaints against BCA Financial Services, Inc. to date, of which 19 came in over the last 12 months.
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 companies in the CFPB dataset.
What product generates the most complaints for BCA Financial Services, Inc.?
Among all products tied to BCA Financial Services, Inc., "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with BCA Financial Services, Inc.?
Consumers most often cite "Attempts to collect debt not owed" when complaining about BCA Financial Services, Inc.; the full issue list with counts is above.
How do I file a complaint against BCA Financial Services, Inc.?
You can file a complaint against BCA Financial 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 BCA Financial Services, Inc.?
Consumers in 14 states and territories have filed complaints about BCA Financial 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.
Similar complaint volume (~180)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.