Total CFPB complaints
112
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 112 complaints
Finance System of Richmond, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 22 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Finance System of Richmond, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
42 complaints
- Written notification about debt
Written notification about debt
24 complaints
- False statements or representation 10
False statements or representation
10 complaints
- Took or threatened to take negative or legal action 7
Took or threatened to take negative or legal action
7 complaints
- Cont'd attempts collect debt not owed 7
Cont'd attempts collect debt not owed
7 complaints
- Communication tactics 4
Communication tactics
4 complaints
D
Grade D · 58.9/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Finance System of Richmond, Inc.?
Finance System of Richmond, Inc. has accumulated 112 total CFPB complaints across 22 states, with 31 filed in the most recent 12 months against 81 historical complaints before that window. The trailing-12-month volume represents 27.7% 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 23% 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 22 states, led by Florida with 31 and Texas with 14, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 58.9/100 places Finance System of Richmond, 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
31
27.7% of total history
Rising ↑
States active
22
Distinct state filings
Timely response rate
97%
Within CFPB SLA window
Consumer disputes
23%
After company response
Reputation grade
D
58.9/100 composite
Response-quality profile
How Finance System of Richmond, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 97.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 46.2%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 39.3%
Share of US states + territories with at least one filed complaint against this collector.
How does Finance System of Richmond, Inc. compare to its peers?
Finance System of Rich… 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)
2023-01 2026-02
Top Consumer Issues
Attempts to collect debt not owed42 (%)
Written notification about debt24 (%)
False statements or representation10 (%)
Took or threatened to take negative or legal action7 (%)
Cont'd attempts collect debt not owed7 (%)
Communication tactics4 (%)
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 | 25 |
| Written notification about debt | Didn't receive enough information to verify debt | 20 |
| Attempts to collect debt not owed | Debt was result of identity theft | 11 |
| False statements or representation | Attempted to collect wrong amount | 10 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 7 |
| Attempts to collect debt not owed | Debt was paid | 6 |
| Cont'd attempts collect debt not owed | Debt is not mine | 4 |
| Written notification about debt | Didn't receive notice of right to dispute | 4 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 4 |
| Cont'd attempts collect debt not owed | Debt was paid | 3 |
Where do complaints against Finance System of Richmond, Inc. come from?
The states where consumers have filed the most CFPB complaints against Finance System of Richmond, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Finance System of Richmond, Inc.
Across 22 states with at least one filing
- Florida
Florida
31 complaints
- Texas
Texas
14 complaints
- Indiana
Indiana
13 complaints
- Pennsylvania 10
Pennsylvania
10 complaints
- California 7
California
7 complaints
- Michigan 6
Michigan
6 complaints
- Louisiana 5
Louisiana
5 complaints
- Ohio 4
Ohio
4 complaints
Frequently Asked Questions
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 112 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 31 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 D (score: 58.9/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 22 states, with the most complaints from Florida (31 complaints).
What can I do if Finance System of Richmond, 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 Finance System of Richmond, 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 |