Financial Business and Consumer Solutions.

CFPB Consumer Complaint Profile

547
Total Complaints
5
Last 12 Months
90.7%
Timely Response
46
States Affected
Financial Business and Consumer Solutions. timely response rate 90.7%
Industry benchmark

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

Credit utilization context — why this matters

A primer on how revolving balance ratios shape credit-bureau scoring; useful when reading complaints about account closures and credit-line cuts.

Ideal (+0 to +10)0-10Healthy (~0 to -10)10-30Moderate (-10 to -30)30-50High (-30 to -50)50-75Very high (-45 to -70)75-100Maxed (-60 to -100+)100-12030%

FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.

Complaints by Product

Debt collection — I do not know 138
Debt collection — Credit card debt 78
Debt collection — Other debt 76
Debt collection — Medical debt 52
Debt collection — Medical 44
Debt collection — Other (i.e. phone, health club, etc.) 40
Debt collection — Credit card 24
Credit reporting, credit repair services, or other personal consumer reports — Credit reporting 23
Credit reporting or other personal consumer reports — Credit reporting 15
Debt collection — Auto debt 12

Top Issues

1.Attempts to collect debt not owed 161
2.Communication tactics 82
3.Cont'd attempts collect debt not owed 81
4.Written notification about debt 46
5.Disclosure verification of debt 39
6.False statements or representation 35
7.Took or threatened to take negative or legal action 20
8.Incorrect information on your report 16
9.Improper use of your report 16
10.Threatened to contact someone or share information improperly 11

Complaints by Year

Year Complaints
2013 15
2014 48
2015 52
2016 55
2017 33
2018 46
2019 39
2020 38
2021 45
2022 68
2023 65
2024 34
2025 9

Complaints by State (Top 15)

Florida 68
California 65
Texas 53
Georgia 41
Pennsylvania 22
Michigan 21
Ohio 20
New York 20
North Carolina 19
Illinois 19
Tennessee 17
Virginia 15
Maryland 13
Colorado 11
Missouri 11

Company Responses

Closed with explanation 515
Untimely response 17
Closed 10
Closed with monetary relief 4
Closed with non-monetary relief 1

What the CFPB Complaint Record Shows for Financial Business and Consumer Solutions.

The CFPB Consumer Complaint Database has logged 547 complaints against Financial Business and Consumer Solutions. overall, with 5 of those filed in the trailing 12 months. Reports have come from consumers in 46 states and territories, making this a nationwide complaint footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. 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.

Financial Business and Consumer Solutions.'s timely response rate stands at 90.7%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That sits below the 95% industry benchmark and tends to correlate with higher consumer dispute rates downstream. Consumers formally disputed the company's response in 14.8% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Of complaints that were resolved, 0.9% closed with some form of monetary or non-monetary relief to the consumer.

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 Financial Business and Consumer Solutions. have?

Financial Business and Consumer Solutions. has 547 total consumer complaints filed with the CFPB, with 5 filed in the last 12 months.

Does Financial Business and Consumer Solutions. respond to complaints on time?

Financial Business and Consumer Solutions. has a 90.7% timely response rate to CFPB complaints.

What product generates the most complaints for Financial Business and Consumer Solutions.?

The most complained-about product for Financial Business and Consumer Solutions. is "Debt collection." You can view the full product breakdown on this page.

What is the most common complaint issue with Financial Business and Consumer Solutions.?

The most common issue reported by consumers about Financial Business and Consumer Solutions. is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.

How do I file a complaint against Financial Business and Consumer Solutions.?

You can file a complaint against Financial Business and Consumer Solutions. 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 Financial Business and Consumer Solutions.?

Consumers in 46 states and territories have filed complaints about Financial Business and Consumer Solutions. with the CFPB.

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

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