Total CFPB complaints
1,773
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 1,773 complaints
Bull City Financial Solutions, Inc — Debt Collector Complaint Profile
CFPB complaint profile across 42 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Bull City Financial Solutions, Inc
- Attempts to collect debt not owed
Attempts to collect debt not owed
851 complaints
- Written notification about debt
Written notification about debt
392 complaints
- False statements or representation 174
False statements or representation
174 complaints
- Took or threatened to take negative or legal action 163
Took or threatened to take negative or legal action
163 complaints
- Cont'd attempts collect debt not owed 61
Cont'd attempts collect debt not owed
61 complaints
- Communication tactics 21
Communication tactics
21 complaints
D
Grade D · 53.7/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Bull City Financial Solutions, Inc?
Bull City Financial Solutions, Inc has accumulated 1,773 total CFPB complaints across 42 states, with 651 filed in the most recent 12 months against 1,122 historical complaints before that window. The trailing-12-month volume represents 36.7% 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", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 97% timely-response rate against a 24% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 42 states, led by North Carolina with 790 and Florida with 311, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 53.7/100 places Bull City Financial Solutions, Inc in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
651
36.7% of total history
Rising ↑
States active
42
Distinct state filings
Timely response rate
97%
Within CFPB SLA window
Consumer disputes
24%
After company response
Reputation grade
D
53.7/100 composite
Response-quality profile
How Bull City Financial Solutions, Inc performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 47.8%
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?
Bull City Financial So… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed851 (%)
Written notification about debt392 (%)
False statements or representation174 (%)
Took or threatened to take negative or legal action163 (%)
Cont'd attempts collect debt not owed61 (%)
Communication tactics21 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 547 |
| Written notification about debt | Didn't receive enough information to verify debt | 280 |
| Attempts to collect debt not owed | Debt was result of identity theft | 205 |
| False statements or representation | Attempted to collect wrong amount | 174 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 163 |
| Written notification about debt | Didn't receive notice of right to dispute | 112 |
| Attempts to collect debt not owed | Debt was paid | 99 |
| Cont'd attempts collect debt not owed | Debt is not mine | 44 |
| Communication tactics | Frequent or repeated calls | 21 |
| Cont'd attempts collect debt not owed | Debt was paid | 17 |
Where do complaints against Bull City Financial Solutions, Inc come from?
The states where consumers have filed the most CFPB complaints against Bull City Financial Solutions, Inc. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Bull City Financial Solutions, Inc
Across 42 states with at least one filing
- North Carolina
North Carolina
790 complaints
- Florida 311
Florida
311 complaints
- South Carolina 179
South Carolina
179 complaints
- Ohio 72
Ohio
72 complaints
- Georgia 62
Georgia
62 complaints
- Virginia 52
Virginia
52 complaints
- Indiana 43
Indiana
43 complaints
- Texas 34
Texas
34 complaints
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 1,773 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 651 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). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (790 complaints).
What can I do if Bull City Financial Solutions, Inc is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Bull City Financial Solutions, Inc violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |