Total CFPB complaints
7
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 7 complaints
B & B FINANCIAL SERVICES INC — Debt Collector Complaint Profile
CFPB complaint profile across 3 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about B & B FINANCIAL SERVICES INC
- Communication tactics
Communication tactics
3 complaints
- Disclosure verification of debt
Disclosure verification of debt
2 complaints
- False statements or representation 1
False statements or representation
1 complaints
- Taking/threatening an illegal action 1
Taking/threatening an illegal action
1 complaints
B
Grade B · 67.4/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about B & B FINANCIAL SERVICES INC?
B & B FINANCIAL SERVICES INC has accumulated 7 total CFPB complaints across 3 states, with 0 filed in the most recent 12 months against 7 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Disclosure verification of debt", narrowing to "Not given enough info to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 71% timely-response rate against a 14% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 3 states, led by Indiana with 4 and Kentucky with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 67.4/100 places B & B FINANCIAL SERVICES INC in grade band B, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
3
Distinct state filings
Timely response rate
71%
Within CFPB SLA window
Consumer disputes
14%
After company response
Reputation grade
B
67.4/100 composite
Response-quality profile
How B & B FINANCIAL SERVICES INC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 71.4%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 28.6%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 5.4%
Share of US states + territories with at least one filed complaint against this collector.
How does B & B FINANCIAL SERVICES INC compare to its peers?
B & B FINANCIAL SERVIC… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2014-05 2016-08
Top Consumer Issues
Disclosure verification of debt2 (%)
Communication tactics3 (%)
False statements or representation1 (%)
Taking/threatening an illegal action1 (%)
Most common issue: Disclosure verification of debt — Not given enough info to verify debt
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Disclosure verification of debt | Not given enough info to verify debt | 2 |
| Communication tactics | Used obscene/profane/abusive language | 2 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Communication tactics | Threatened to take legal action | 1 |
| Taking/threatening an illegal action | Threatened to sue on too old debt | 1 |
Where do complaints against B & B FINANCIAL SERVICES INC come from?
The states where consumers have filed the most CFPB complaints against B & B FINANCIAL SERVICES INC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against B & B FINANCIAL SERVICES INC
Across 3 states with at least one filing
- Indiana
Indiana
4 complaints
- Kentucky
Kentucky
2 complaints
- Idaho 1
Idaho
1 complaints
Frequently Asked Questions
What is the most common complaint against B & B FINANCIAL SERVICES INC? ▼
The most common issue consumers report about B & B FINANCIAL SERVICES INC is "Disclosure verification of debt", specifically "Not given enough info to verify debt". This is based on 7 complaints filed with the CFPB.
Are complaints against B & B FINANCIAL SERVICES INC increasing or decreasing? ▼
Complaints against B & B FINANCIAL SERVICES INC have been stable. The company received 0 complaints in the last 12 months.
What is B & B FINANCIAL SERVICES INC's reputation grade? ▼
B & B FINANCIAL SERVICES INC has a reputation grade of B (score: 67.4/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does B & B FINANCIAL SERVICES INC respond to consumer complaints? ▼
B & B FINANCIAL SERVICES INC has a 71% timely response rate to CFPB complaints. Consumers disputed the company's response in 14% of cases.
In how many states does B & B FINANCIAL SERVICES INC operate? ▼
B & B FINANCIAL SERVICES INC has received CFPB complaints from consumers in 3 states, with the most complaints from Indiana (4 complaints).
What can I do if B & B FINANCIAL SERVICES INC is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If B & B FINANCIAL SERVICES INC violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |