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

The most common issue consumers report about BCA Financial Services, Inc. is "Attempts to collect debt not owed", specifically "Didn't receive enough information to verify debt". This is based on 163 complaints filed with the CFPB.

Are complaints against BCA Financial Services, Inc. increasing or decreasing?

Complaints against BCA Financial Services, Inc. are falling. The company received 16 complaints in the last 12 months, showing improvement over prior periods.

What is BCA Financial Services, Inc.'s reputation grade?

BCA Financial Services, Inc. has a reputation grade of D (score: 55.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does BCA Financial Services, Inc. respond to consumer complaints?

BCA Financial Services, Inc. has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 19% of cases.

In how many states does BCA Financial Services, Inc. operate?

BCA Financial Services, Inc. has received CFPB complaints from consumers in 13 states, with the most complaints from Florida (80 complaints).

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

BCA Financial Services, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 13 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

50
Written notification about debt

33
Cont'd attempts collect debt not owed

26
Communication tactics

17
False statements or representation

15
Took or threatened to take negative or legal action

9

Data updated September 2026

CFPB complaint disposition

CCDB record bca-financial-services-inc BCA Financial Services, Inc.

Grade D · 163 CFPB filings · 98% timely · lead issue: Attempts to collect debt not owed · vol #622 · compose #3211

VOL 163
GRADE D
12MO 16
STATES 13
TIMELY 98%
DISPUTE 19%
ISSUE Attempts to collect debt n…
RANK #622
COMPOSE #3,211

Volume peers

Nearest volume peer: LendingPoint Holdings LLC (163 complaints)

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

BCA Financial Services, Inc.'s 163 CFPB complaints sit next to LendingPoint Holdings 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

49.1% of BCA Financial Services, Inc.'s CFPB filings land in Florida

High volume does not equal a clean composite: BCA Financial Services, Inc. is volume #622 but composite #3,211, while Florida dominates the geography. Corpus placement method.

Dominant state: Florida 49.1%; 80 of 163 filings · 13 states touched
Seasonal peak: 2025-11 12.7%; 8–15% band · 7 filings
Divergent corpus ranks: #622 volume; #3,211 composite; Cleanest-composite ladder is 2,589 places worse than volume

How does BCA Financial Services, Inc. compare to its peers?

How does BCA Financial 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

BCA Financial Services… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

98%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-08 2026-02

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	50
Written notification about debt	33
Cont'd attempts collect debt not owed	26
Communication tactics	17
False statements or representation	15
Took or threatened to take negative or legal action	9
Disclosure verification of debt	9
Improper contact or sharing of info	4

Where do complaints against BCA Financial Services, Inc. come from?

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

Florida

80
New Jersey

56
Georgia

9
South Carolina

6
New York

3
California

1
Minnesota

1
Nevada

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for BCA Financial 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: 163.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 98.13664596273291%.

4 peers

Know your rights before responding to BCA Financial 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.