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

CFPB complaint data Grade C 238 complaints

BlueChip Financial - Debt Collector Complaint Profile

CFPB complaint profile across 38 states, reputation grade C.

Complaints by issue type

What consumers report about BlueChip Financial

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record bluechip-financial BlueChip Financial

Grade C · 238 CFPB filings · 99% timely · lead issue: Communication tactics · vol #467 · compose #42

  • VOL 238
  • GRADE C
  • 12MO 16
  • STATES 38
  • TIMELY 99%
  • DISPUTE 11%
  • ISSUE Communication tactics
  • RANK #467
  • COMPOSE #42

Volume peers

Nearest volume peer: Rausch, Sturm, Israel, Enerson & Hornik, LLP (238 complaints)

Rausch, Sturm, Israel, Enerson & Hornik, LLPRausch, Sturm, Israel, Eners…238BlueChip Financial (this)BlueChip Financial (this)238Altisource Portfolio Solutions, S.à r.l.Altisource Portfolio Solutio…239Aqua Finance, Inc.Aqua Finance, Inc.239Healthcare Finance Direct LLC.Healthcare Finance Direct LL…239
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

BlueChip Financial's 238 CFPB complaints sit next to Rausch, Sturm, Israel, Enerson & Hornik, LLP 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 →

How the 238 complaints break down

Every complaint issue type on record for BlueChip Financial, not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
57.0/100
BlueChip Financial

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
238
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
99%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
11%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

California is the plurality state for BlueChip Financial (16.0%)

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Plurality state
California 16.0%
Mid-band (15–30%) · 38 states with ≥1 filing
Seasonal peak
2025-02 9.8%
8–15% band · 6 filings
Corpus ranks
#467 volume
#42 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does BlueChip Financial compare to its peers?

How does BlueChip Financial compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
BlueChip Financial National average
Complaints (last 12 mo)lower is better
16
0
268
Timely-response ratehigher is better
99%
97%
91%
Consumer-dispute ratelower is better
11%
14%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy BlueChip Financial a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 75%80%85%90%95%100%105% 0%10%20%30%40%50% Timely response rate (%) Dispute rate (%) BlueChip Financial vs. 8 similar-volume peers, by response speed and dispute rate BlueChip FinancialRausch, Sturm, Israel, Enerson & Hornik, LLPRGS Financial, Inc.BB&T CORPORATIONAqua Finance, Inc.Altisource Portfolio Solutions, S.à r.l.BYL Collection ServicesM.A.R.S., Inc.Atlantic Credit & Finance, Inc.
Source: CFPB Consumer Complaint Database

BlueChip Financial's complaint volume in context

BlueChip Financial vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

238 Top 9% higher than 91% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. BlueChip Financial 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2024-03 2026-02

Issue Detail Breakdown

Issue Complaints
Communication tactics
58
Attempts to collect debt not owed
40
Took or threatened to take negative or legal action
39
False statements or representation
31
Threatened to contact someone or share information improperly
18
Cont'd attempts collect debt not owed
14
Written notification about debt
12
Taking/threatening an illegal action
9
Improper contact or sharing of info
8
Disclosure verification of debt
6

Where do complaints against BlueChip Financial come from?

BlueChip Financial's own per-state count, not a national baseline.

Top states by complaints against BlueChip Financial

Across 38 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for BlueChip Financial: 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: 238.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.15611814345992%.

4 peers

Know your rights before responding to BlueChip Financial: 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.