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

Data updated July 2026

D

Grade D · 53.7/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Bull City Financial Solutions, Inc ranks ahead of 22% of the 5,283 collectors PlainCollector grades - 78% keep a cleaner CFPB record, on 1,945 all-time complaints and a 97% timely-response rate.

22nd pct
reputation rank of 5,283 graded collectors
1,945
CFPB complaints, all-time
97%
answered inside the CFPB window
681
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Bull City Financial Solutions, Inc?

Bull City Financial Solutions, Inc has accumulated 1,945 total CFPB complaints across 42 states, with 681 filed in the most recent 12 months against 1,264 historical complaints before that window. The trailing-12-month volume represents 35.0% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 97% timely-response rate against a 24% consumer-dispute-after-response rate.

Complaints have been recorded across 42 states, led by North Carolina with 862 and Florida with 349. Normalized against the full CFPB collector database, the reputation score of 53.7/100 places Bull City Financial Solutions, Inc in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

1,945

high-volume (CCDB)

Last 12 months

681

35.0% of all-time complaints

Rising ↑

States active

42

multi-region footprint

Timely response rate

97%

excellent band

Consumer disputes

24%

elevated (vertical avg ~19%)

Reputation grade

D

53.7/100 composite

How does Bull City Financial Solutions, Inc's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

54 Bottom 22% higher than 22% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Bull City Financial Solutions, Inc versus the debt-collection vertical average.

Timely response within SLA 97.1%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 23.9%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 75.0%

Share of US states + territories with at least one filed complaint against this collector.

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, 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 Sub-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

What to do if Bull City Financial Solutions, Inc contacts you

A grade of D signals how Bull City Financial Solutions, Inc's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Bull City Financial Solutions, Inc and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Bull City Financial Solutions, Inc ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 53.7/100), 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).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.