What is the most common complaint against Finance System of Richmond, Inc.?

The most common issue consumers report about Finance System of Richmond, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 127 complaints filed with the CFPB.

Are complaints against Finance System of Richmond, Inc. increasing or decreasing?

Complaints against Finance System of Richmond, Inc. are rising. The company received 45 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Finance System of Richmond, Inc.'s reputation grade?

Finance System of Richmond, Inc. has a reputation grade of C (score: 56.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Finance System of Richmond, Inc. respond to consumer complaints?

Finance System of Richmond, Inc. has a 97% timely response rate to CFPB complaints. Consumers disputed the company's response in 23% of cases.

In how many states does Finance System of Richmond, Inc. operate?

Finance System of Richmond, Inc. has received CFPB complaints from consumers in 24 states, with the most complaints from Florida (33 complaints).

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

Finance System of Richmond, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 24 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

50
Written notification about debt

28
False statements or representation

14
Took or threatened to take negative or legal action

13
Communication tactics

8
Cont'd attempts collect debt not owed

7

Data updated September 2026

CFPB complaint disposition

CCDB record finance-system-of-richmond-inc Finance System of Richmond, Inc.

Grade C · 127 CFPB filings · 97% timely · lead issue: Attempts to collect debt not owed · vol #731 · compose #3117

VOL 127
GRADE C
12MO 45
STATES 24
TIMELY 97%
DISPUTE 23%
ISSUE Attempts to collect debt n…
RANK #731
COMPOSE #3,117

Volume peers

Nearest volume peer: Cornerstone Holdings, Inc. (127 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Finance System of Richmond, Inc.'s 127 CFPB complaints sit next to Cornerstone Holdings, Inc. 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 →

Filing geometry

Florida is the plurality state for Finance System of Richmond, Inc. (26.0%)

Volume rank #731 and composite rank #3,117 diverge by 2,386 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Florida 26.0%; Mid-band (15–30%) · 24 states with ≥1 filing
Seasonal peak: 2014-07 8.3%; 8–15% band · 2 filings
Divergent corpus ranks: #731 volume; #3,117 composite; Cleanest-composite ladder is 2,386 places worse than volume

How does Finance System of Richmond, Inc. compare to its peers?

How does Finance System of Richmond, 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

Finance System of Rich… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

97%

98%

91%

Consumer-dispute ratelower is better

23%

33%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2013-11 2025-09

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	50
Written notification about debt	28
False statements or representation	14
Took or threatened to take negative or legal action	13
Communication tactics	8
Cont'd attempts collect debt not owed	7
Disclosure verification of debt	3
Electronic communications	2
Threatened to contact someone or share information improperly	1
Improper contact or sharing of info	1

Where do complaints against Finance System of Richmond, Inc. come from?

Finance System of Richmond, Inc.'s own per-state count, not a national baseline.

Florida

33
Texas

19
Indiana

14
Pennsylvania

10
California

7
Michigan

6
South Carolina

6
Louisiana

5

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Finance System of Richmond, 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: 127.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 97.32142857142857%.

4 peers

Know your rights before responding to Finance System of Richmond, 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.