CFPB Consumer Complaint Profile
Finance System of Richmond, Inc.
140 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 140
- Total complaints
- Mid-range
- 39
- Last 12 months
- 96.4%
- Timely response
- Below median
- 23
- States affected
The verdict
Finance System of Richmond, Inc. ranks #1137 of 3,843 financial companies by CFPB complaint volume, with 140 complaints on record. It posts a 96.4% on-time response rate, the 36th percentile among companies with 100+ complaints.
- #1137
- of 3,843 companies by volume
- 96.4%
- on time (36th pctile)
- Debt collection
- most-complained product
- 23
- 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.
Finance System of Richmond, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
96.4% Around the middle higher than 36% 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
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 14 in 2024 to 29 in 2025 (2024 → 2025).
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 |
|---|---|
| 2014 | 1 |
| 2015 | 1 |
| 2016 | 10 |
| 2017 | 6 |
| 2018 | 12 |
| 2019 | 9 |
| 2020 | 11 |
| 2021 | 16 |
| 2022 | 8 |
| 2023 | 10 |
| 2024 | 14 |
| 2025 | 29 |
| 2026year in progress | 13 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Finance System of Richmond, Inc.
140 complaints against Finance System of Richmond, Inc. appear in the CFPB record, including 39 from the trailing year. The 23 states and territories represented put this footprint in multi-regional territory. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. 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, Finance System of Richmond, Inc. posts a 96.4% reply rate on forwarded complaints. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Consumers formally disputed the company's response at a 23.1% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, 0% 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, 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 Finance System of Richmond, Inc. have?
140 complaints have been filed against Finance System of Richmond, Inc. with the CFPB overall - 39 of them in the past year.
Does Finance System of Richmond, Inc. respond to complaints on time?
Finance System of Richmond, Inc. has a 96.4% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Finance System of Richmond, Inc.?
"Debt collection" draws more CFPB complaints against Finance System of Richmond, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Finance System of Richmond, Inc.?
Consumers most often cite "Attempts to collect debt not owed" when complaining about Finance System of Richmond, Inc.; the full issue list with counts is above.
How do I file a complaint against Finance System of Richmond, Inc.?
You can file a complaint against Finance System of Richmond, 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 Finance System of Richmond, Inc.?
Finance System of Richmond, Inc. has drawn CFPB complaints from 23 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Finance System of Richmond, Inc.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (23.1% here).
Also handles Debt collection
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.