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

CFPB complaint data Grade C 127 complaints

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

CFPB complaint profile across 24 states, reputation grade C.

Complaints by issue type

What consumers report about Finance System of Richmond, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 127
  • GRADE C
  • 12MO 45
  • STATES 24
  • TIMELY 97%
  • DISPUTE 23%
  • ISSUE Attempts to collect debt n…
  • RANK #731
  • COMPOSE Not ranked

Volume peers

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

Cornerstone Holdings, Inc.Cornerstone Holdings, Inc.127Fein, Such, Kahn & Shepard, P.C.Fein, Such, Kahn & Shepard, …127GreenSky, LLCGreenSky, LLC127JTM Capital Management, LLCJTM Capital Management, LLC127Finance System of Richmond, Inc. (this)Finance System of Richmond, …127
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 →

How the 127 complaints break down

Every complaint issue type on record for Finance System of Richmond, Inc., not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
56.2/100
Finance System of Richmond, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
127
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
97%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
23%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

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

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. 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
Corpus ranks
#731 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

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 Richmond, Inc. National average
Complaints (last 12 mo)lower is better
45
17
268
Timely-response ratehigher is better
97%
98%
91%
Consumer-dispute ratelower is better
23%
33%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Finance System of Richmond, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 20%40%60%80%100%120% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Finance System of Richmond, Inc. vs. 10 similar-volume peers, by response speed and dispute rate Finance System of Richmond, Inc.Fein, Such, Kahn & Shepard, P.C.GreenSky, LLCCornerstone Holdings, Inc.JTM Capital Management, LLCRent Recover, LLCUSI Solutions Inc.National Principal Group, LLCKramer & Frank, P.C.Larry H. Miller Group of CompaniesArmada Corp.
Source: CFPB Consumer Complaint Database

Finance System of Richmond, Inc.'s complaint volume in context

Finance System of Richmond, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

127 Top 13% higher than 87% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). This entry sits in this band. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Finance System of Richmond, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
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.

Top states by complaints against Finance System of Richmond, Inc.

Across 24 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.