Total CFPB complaints
68
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 68 complaints
FCI Lender Services Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 16 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about FCI Lender Services Inc.
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
19 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
19 complaints
- Written notification about debt
Written notification about debt
9 complaints
- False statements or representation
False statements or representation
8 complaints
- Disclosure verification of debt 3
Disclosure verification of debt
3 complaints
- Cont'd attempts collect debt not owed 2
Cont'd attempts collect debt not owed
2 complaints
D
Grade D · 52.4/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about FCI Lender Services Inc.?
FCI Lender Services Inc. has accumulated 68 total CFPB complaints across 16 states, with 18 filed in the most recent 12 months against 50 historical complaints before that window. The trailing-12-month volume represents 26.5% 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 "Took or threatened to take negative or legal action", narrowing to "Seized or attempted to seize your property", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 60% 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 16 states, led by California with 17 and Pennsylvania with 13, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 52.4/100 places FCI Lender Services 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
18
26.5% of total history
Rising ↑
States active
16
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
60%
After company response
Reputation grade
D
52.4/100 composite
Response-quality profile
How FCI Lender Services Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 100.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 28.6%
Share of US states + territories with at least one filed complaint against this collector.
How does FCI Lender Services Inc. compare to its peers?
FCI Lender Services In… 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)
2021-11 2026-02
Top Consumer Issues
Took or threatened to take negative or legal action19 (%)
Attempts to collect debt not owed19 (%)
Written notification about debt9 (%)
False statements or representation8 (%)
Disclosure verification of debt3 (%)
Cont'd attempts collect debt not owed2 (%)
Problem with customer service2 (%)
Most common issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
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 |
|---|---|---|
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 19 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 12 |
| Written notification about debt | Didn't receive enough information to verify debt | 9 |
| False statements or representation | Attempted to collect wrong amount | 7 |
| Attempts to collect debt not owed | Debt is not yours | 4 |
| Attempts to collect debt not owed | Debt was paid | 3 |
| Disclosure verification of debt | Not given enough info to verify debt | 3 |
| Cont'd attempts collect debt not owed | Debt is not mine | 2 |
| Problem with customer service | — | 2 |
| False statements or representation | Indicated you were committing crime by not paying debt | 1 |
Where do complaints against FCI Lender Services Inc. come from?
The states where consumers have filed the most CFPB complaints against FCI Lender Services Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against FCI Lender Services Inc.
Across 16 states with at least one filing
- California
California
17 complaints
- Pennsylvania
Pennsylvania
13 complaints
- Florida 6
Florida
6 complaints
- Illinois 5
Illinois
5 complaints
- New York 4
New York
4 complaints
- Georgia 4
Georgia
4 complaints
- Virginia 3
Virginia
3 complaints
- Massachusetts 3
Massachusetts
3 complaints
Frequently Asked Questions
What is the most common complaint against FCI Lender Services Inc.? ▼
The most common issue consumers report about FCI Lender Services Inc. is "Took or threatened to take negative or legal action", specifically "Seized or attempted to seize your property". This is based on 68 complaints filed with the CFPB.
Are complaints against FCI Lender Services Inc. increasing or decreasing? ▼
Complaints against FCI Lender Services Inc. are rising. The company received 18 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is FCI Lender Services Inc.'s reputation grade? ▼
FCI Lender Services Inc. has a reputation grade of D (score: 52.4/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does FCI Lender Services Inc. respond to consumer complaints? ▼
FCI Lender Services Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 60% of cases.
In how many states does FCI Lender Services Inc. operate? ▼
FCI Lender Services Inc. has received CFPB complaints from consumers in 16 states, with the most complaints from California (17 complaints).
What can I do if FCI Lender Services 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 FCI Lender Services 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 |