CFPB Consumer Complaint Profile
Full Circle Financial Services, LLC
Consumers have filed 29 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 29
- Total complaints
- Mid-range
- 5
- Last 12 months
- 89.7%
- Timely response
- Bottom quartile
- 19
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Full Circle Financial Services, LLC has accumulated 29 complaints, placing it #2382 by volume. On-time replies land at 89.7%, the 18th percentile for the 100+ complaint peer group.
- #2382
- of 3,843 companies by volume
- 89.7%
- on time (18th pctile)
- Debt collection
- most-complained product
- 19
- 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.
Full Circle Financial Services, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
89.7% Among the lowest higher than 18% 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 |
|---|---|
| 2014 | 1 |
| 2015 | 2 |
| 2016 | 3 |
| 2018 | 5 |
| 2019 | 1 |
| 2020 | 1 |
| 2021 | 4 |
| 2022 | 1 |
| 2023 | 2 |
| 2024 | 2 |
| 2025 | 6 |
| 2026year in progress | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Full Circle Financial Services, LLC
Full Circle Financial Services, LLC carries 29 complaints in the CFPB's database, 5 of them filed within the past 12 months. Consumers spanning 19 states and territories have weighed in, giving this a multi-regional 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 "Incorrect information on your report" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Full Circle Financial Services, LLC's timely response rate stands at 89.7%, 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 at a 0% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 0% rate.
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 Full Circle Financial Services, LLC have?
29 complaints have been filed against Full Circle Financial Services, LLC with the CFPB overall - 5 of them in the past year.
Does Full Circle Financial Services, LLC respond to complaints on time?
Full Circle Financial Services, LLC has a 89.7% timely response rate to CFPB complaints.
What product generates the most complaints for Full Circle Financial Services, LLC?
The most complained-about product for Full Circle Financial Services, LLC is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Full Circle Financial Services, LLC?
"Incorrect information on your report" is the single most frequently cited issue in complaints against Full Circle Financial Services, LLC - see all issues and counts above.
How do I file a complaint against Full Circle Financial Services, LLC?
You can file a complaint against Full Circle Financial Services, LLC 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 Full Circle Financial Services, LLC?
Full Circle Financial Services, LLC has drawn CFPB complaints from 19 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 Full Circle Financial Services, LLC: 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 (0% 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.