What is the most common complaint against BC Services, Inc.?

The most common issue consumers report about BC Services, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 251 complaints filed with the CFPB.

Are complaints against BC Services, Inc. increasing or decreasing?

Complaints against BC Services, Inc. are falling. The company received 39 complaints in the last 12 months, showing improvement over prior periods.

What is BC Services, Inc.'s reputation grade?

BC Services, Inc. has a reputation grade of F (score: 46.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does BC Services, Inc. respond to consumer complaints?

BC Services, Inc. has a 91% timely response rate to CFPB complaints. Consumers disputed the company's response in 39% of cases.

In how many states does BC Services, Inc. operate?

BC Services, Inc. has received CFPB complaints from consumers in 33 states, with the most complaints from Colorado (138 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

BC Services, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 33 states, reputation grade F.

Compiled by PlainCollector

Attempts to collect debt not owed

76
Written notification about debt

39
Cont'd attempts collect debt not owed

36
Disclosure verification of debt

28
Took or threatened to take negative or legal action

24
Communication tactics

21

Data updated September 2026

CFPB complaint disposition

CCDB record bc-services-inc BC Services, Inc.

Grade F · 251 CFPB filings · 91% timely · lead issue: Attempts to collect debt not owed · vol #447 · compose #4417

VOL 251
GRADE F
12MO 39
STATES 33
TIMELY 91%
DISPUTE 39%
ISSUE Attempts to collect debt n…
RANK #447
COMPOSE #4,417

Volume peers

Nearest volume peer: Financial Management Solutions, LLC (251 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

BC Services, Inc.'s 251 CFPB complaints sit next to Financial Management Solutions, LLC on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

55.0% of BC Services, Inc.'s CFPB filings land in Colorado

High volume does not equal a clean composite: BC Services, Inc. is volume #447 but composite #4,417, while Colorado dominates the geography. Corpus placement method.

Dominant state: Colorado 55.0%; 138 of 251 filings · 33 states touched
Even monthly load: Peak under 8%; Highest month 2014-03 at 7.7% (2 filings)
Divergent corpus ranks: #447 volume; #4,417 composite; Cleanest-composite ladder is 3,970 places worse than volume

How does BC Services, Inc. compare to its peers?

How does BC SERVICES, INC. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

BC SERVICES, INC. National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

91%

98%

91%

Consumer-dispute ratelower is better

39%

28%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2013-11 2018-09

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	76
Written notification about debt	39
Cont'd attempts collect debt not owed	36
Disclosure verification of debt	28
Took or threatened to take negative or legal action	24
Communication tactics	21
False statements or representation	20
Improper contact or sharing of info	4
Electronic communications	2
Taking/threatening an illegal action	1

Where do complaints against BC Services, Inc. come from?

BC Services, Inc.'s own per-state count, not a national baseline.

Colorado

138
Texas

21
California

12
Wyoming

11
Minnesota

7
North Carolina

6
Florida

5
Arizona

4

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for BC Services, Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 251.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 90.75630252100841%.

4 peers

Know your rights before responding to BC Services, Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.