CFPB Consumer Complaint Profile
BCO Consulting Services
Behind the 23 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 23
- Total complaints
- Mid-range
- 1
- Last 12 months
- 78.3%
- Timely response
- Bottom decile
- 12
- States affected
The verdict
23 CFPB complaints put BCO Consulting Services at #2678 out of 3,843 financial companies ranked by complaint volume. Its on-time response rate is 78.3%, the 8th percentile among companies with 100+ complaints.
- #2678
- of 3,843 companies by volume
- 78.3%
- on time (8th pctile)
- Student loan
- most-complained product
- 12
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
BCO Consulting Services vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
78.3% Among the lowest higher than 8% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
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 |
|---|---|
| 2020 | 4 |
| 2021 | 13 |
| 2022 | 3 |
| 2023 | 1 |
| 2024 | 1 |
| 2025 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for BCO Consulting Services
23 complaints against BCO Consulting Services appear in the CFPB record, including 1 from the trailing year. The 12 states and territories represented put this footprint in geographically concentrated territory. The single largest complaint category is "Student loan," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Dealing with your lender or servicer" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
BCO Consulting Services's timely response rate stands at 78.3%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is far under the 95% benchmark - a material red flag, since late or missing responses are among the strongest predictors of CFPB supervisory interest. Among resolved complaints, the consumer-relief closure rate is 34.8%.
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, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
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 BCO Consulting Services have?
The CFPB has logged 23 complaints against BCO Consulting Services to date, of which 1 came in over the last 12 months.
Does BCO Consulting Services respond to complaints on time?
CFPB complaints against BCO Consulting Services draw a 78.3% timely-response rate inside the expected window. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for BCO Consulting Services?
"Student loan" draws more CFPB complaints against BCO Consulting Services than any other product - see the full breakdown above.
What is the most common complaint issue with BCO Consulting Services?
Consumers most often cite "Dealing with your lender or servicer" when complaining about BCO Consulting Services; the full issue list with counts is above.
How do I file a complaint against BCO Consulting Services?
You can file a complaint against BCO Consulting Services 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 BCO Consulting Services?
Consumers in 12 states and territories have filed complaints about BCO Consulting Services 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.
Also handles Student loan
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.