What is the most common complaint against Bull City Financial Solutions, Inc?

The most common issue consumers report about Bull City Financial Solutions, Inc is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 1,945 complaints filed with the CFPB.

Are complaints against Bull City Financial Solutions, Inc increasing or decreasing?

Complaints against Bull City Financial Solutions, Inc are rising. The company received 681 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Bull City Financial Solutions, Inc's reputation grade?

Bull City Financial Solutions, Inc has a reputation grade of D (score: 51.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Bull City Financial Solutions, Inc respond to consumer complaints?

Bull City Financial Solutions, Inc has a 97% timely response rate to CFPB complaints. Consumers disputed the company's response in 24% of cases.

In how many states does Bull City Financial Solutions, Inc operate?

Bull City Financial Solutions, Inc has received CFPB complaints from consumers in 42 states, with the most complaints from North Carolina (862 complaints).

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

Bull City Financial Solutions, Inc - Debt Collector Complaint Profile

CFPB complaint profile across 42 states, reputation grade D.

Compiled by PlainCollector

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

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 #3949

VOL 1,945
GRADE D
12MO 681
STATES 42
TIMELY 97%
DISPUTE 24%
ISSUE Attempts to collect debt n…
RANK #89
COMPOSE #3,949

Volume peers

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

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 →

State-heavy filing map

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

High volume does not equal a clean composite: Bull City Financial Solutions, Inc is volume #89 but composite #3,949, while North Carolina dominates the geography. 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
Divergent corpus ranks: #89 volume; #3,949 composite; Cleanest-composite ladder is 3,860 places worse than volume

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 So… 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.

Complaint Trend (24 months)

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.

North Carolina

862
Florida

349
South Carolina

203
Ohio

78
Georgia

65
Virginia

55
Indiana

45
Texas

38

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.