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

CFPB complaint data Grade D 1,945 complaints

Bull City Financial Solutions, Inc - Debt Collector Complaint Profile

CFPB complaint profile across 42 states, reputation grade D.

Complaints by issue type

What consumers report about Bull City Financial Solutions, Inc

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

Data updated September 2026

CFPB complaint disposition

CCDB record bull-city-financial-solutions-inc Bull City Financial Solutions, Inc

Grade D · 1,945 CFPB filings · 97% timely · lead issue: Attempts to collect debt not owed · vol #89 · compose #345

  • VOL 1,945
  • GRADE D
  • 12MO 681
  • STATES 42
  • TIMELY 97%
  • DISPUTE 24%
  • ISSUE Attempts to collect debt n…
  • RANK #89
  • COMPOSE #345

Volume peers

Nearest volume peer: Velocity Portfolio Group (1,949 complaints)

U.s. BancorpU.s. Bancorp1,939Bull City Financial Solutions, Inc (this)Bull City Financial Solution…1,945Velocity Portfolio GroupVelocity Portfolio Group1,949HSBC North America Holdings Inc.HSBC North America Holdings …1,955Lockhart, Morris & Montgomery Inc.Lockhart, Morris & Montgomer…1,957
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Bull City Financial Solutions, Inc's 1,945 CFPB complaints sit next to Velocity Portfolio Group 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 1,945 complaints break down

Every complaint issue type on record for Bull City Financial Solutions, Inc, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
51.5/100
Bull City Financial Solutions, 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 F
1,945
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
97%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
24%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

44.3% of Bull City Financial Solutions, Inc's CFPB filings land in North Carolina

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
North Carolina 44.3%
862 of 1,945 filings · 42 states touched
Seasonal peak
2026-02 9.2%
8–15% band · 10 filings
Corpus ranks
#89 volume
#345 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Bull City Financial Solutions, Inc compare to its peers?

How does Bull City Financial Solutions, 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
Bull City Financial Solutions, Inc National average
Complaints (last 12 mo)lower is better
681
351
268
Timely-response ratehigher is better
97%
98%
91%
Consumer-dispute ratelower is better
24%
12%
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 Bull City Financial Solutions, Inc a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 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 96%97%98%99%100%101% 10%15%20%25%30% Timely response rate (%) Dispute rate (%) Bull City Financial Solutions, Inc vs. 9 similar-volume peers, by response speed and dispute rate Bull City Financial Solutions, IncVelocity Portfolio GroupU.S. BANCORPHSBC NORTH AMERICA HOLDINGS INC.Lockhart, Morris & Montgomery Inc.AmeriCollectLJ Ross AssociatesWorld Acceptance CorporationRentDebt Automated Collections, LLCNelnet, Inc.
Source: CFPB Consumer Complaint Database

Bull City Financial Solutions, Inc's complaint volume in context

Bull City Financial Solutions, 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)

1,945 Top 2% higher than 98% 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. Bull City Financial Solutions, 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)

Rising ↑
2024-04 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
969
Written notification about debt
432
False statements or representation
202
Took or threatened to take negative or legal action
185
Cont'd attempts collect debt not owed
69
Communication tactics
39
Disclosure verification of debt
26
Threatened to contact someone or share information improperly
8
Electronic communications
7
Improper contact or sharing of info
6

Where do complaints against Bull City Financial Solutions, Inc come from?

Bull City Financial Solutions, Inc's own per-state count, not a national baseline.

Top states by complaints against Bull City Financial Solutions, Inc

Across 42 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 Bull City Financial Solutions, 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: 1,945.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 97.12351945854483%.

4 peers

Know your rights before responding to Bull City Financial Solutions, 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.