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

CFPB complaint data Grade D 61 complaints

BSI Financial Holdings, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 21 states, reputation grade D.

Complaints by issue type

What consumers report about BSI Financial Holdings, Inc.

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

Data updated September 2026

CFPB complaint disposition

CCDB record bsi-financial-holdings-inc BSI Financial Holdings, Inc.

Grade D · 61 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed

  • VOL 61
  • GRADE D
  • 12MO 11
  • STATES 21
  • TIMELY 100%
  • ISSUE Attempts to collect debt n…
  • RANK #1,075
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Apothaker & Associates, PC (61 complaints)

Apothaker & Associates, PCApothaker & Associates, PC61Atlas Credit Company, Inc.Atlas Credit Company, Inc.61Biehl & Biehl, IncBiehl & Biehl, Inc61CashRepublic Holdings, Inc.CashRepublic Holdings, Inc.61BSI Financial Holdings, Inc. (this)BSI Financial Holdings, Inc.…61
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

BSI Financial Holdings, Inc.'s 61 CFPB complaints sit next to Apothaker & Associates, PC 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 61 complaints break down

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

Reputation score breakdown

D
Composite reputation score
52.2/100
BSI Financial Holdings, Inc.

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 D
61
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate N/A
N/A
No dispute rate reported.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

BSI Financial Holdings, Inc. spreads filings across 21 states - Florida leads at only 13.1%

Peak share is this collector's company_monthly maximum divided by its own stored monthly total. Corpus placement method.

Most-even geography
Lead state under 15%
Florida still leads at 13.1% across 21 states
Spike month
2026-01 54.5%
6 filings that month · spiky (≥15% of series)
Corpus ranks
#1,075 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does BSI Financial Holdings, Inc. compare to its peers?

How does BSI Financial Holdings, 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
BSI Financial Holdings, Inc. National average
Complaints (last 12 mo)lower is better
11
9
268
Timely-response ratehigher is better
100%
100%
91%
Consumer-dispute ratelower is better
0%
38%
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 BSI Financial Holdings, Inc. 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 50%60%70%80%90%100%110% 0%10%20%30%40%50% Timely response rate (%) Dispute rate (%) BSI Financial Holdings, Inc. vs. 9 similar-volume peers, by response speed and dispute rate Atlas Credit Company, Inc.Biehl & Biehl, IncApothaker & Associates, PCGeneral Service Bureau, Inc.Orion Portfolio Services, LLCQuality Loan Service CorporationRobinson, Reagan and Young PLLCUnited Collection Service, Inc (FL)Zarzaur and Schwartz, PC
Source: CFPB Consumer Complaint Database

BSI Financial Holdings, Inc.'s complaint volume in context

BSI Financial Holdings, Inc. 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)

61 Top 20% higher than 80% 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%). This entry sits in this band. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. BSI Financial Holdings, Inc. 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)

Stable →
2023-08 2026-02

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
26
False statements or representation
15
Written notification about debt
10
Took or threatened to take negative or legal action
9
Communication tactics
1

Where do complaints against BSI Financial Holdings, Inc. come from?

BSI Financial Holdings, Inc.'s own per-state count, not a national baseline.

Top states by complaints against BSI Financial Holdings, Inc.

Across 21 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 BSI Financial Holdings, 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: 61.

4 peers

Know your rights before responding to BSI Financial Holdings, 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.