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

The most common issue consumers report about Finance System of Toledo, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 55 complaints filed with the CFPB.

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

Complaints against Finance System of Toledo, Inc. are falling. The company received 1 complaints in the last 12 months, showing improvement over prior periods.

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

Finance System of Toledo, Inc. has a reputation grade of D (score: 54.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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

Finance System of Toledo, Inc. has a 95% timely response rate to CFPB complaints. Consumers disputed the company's response in 33% of cases.

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

Finance System of Toledo, Inc. has received CFPB complaints from consumers in 7 states, with the most complaints from Ohio (46 complaints).

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

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

CFPB complaint profile across 7 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

18
Written notification about debt

13
Disclosure verification of debt

6
Cont'd attempts collect debt not owed

5
False statements or representation

4
Improper contact or sharing of info

4

Data updated September 2026

CFPB complaint disposition

CCDB record finance-system-of-toledo-inc Finance System of Toledo, Inc.

Grade D · 55 CFPB filings · 95% timely · lead issue: Attempts to collect debt not owed · vol #1129 · compose #3488

VOL 55
GRADE D
12MO 1
STATES 7
TIMELY 95%
DISPUTE 33%
ISSUE Attempts to collect debt n…
RANK #1,129
COMPOSE #3,488

Volume peers

Nearest volume peer: Accounts Management, Inc (55 complaints)

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

Finance System of Toledo, Inc.'s 55 CFPB complaints sit next to Accounts Management, 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 →

State-heavy filing map

83.6% of Finance System of Toledo, Inc.'s CFPB filings land in Ohio

High volume does not equal a clean composite: Finance System of Toledo, Inc. is volume #1,129 but composite #3,488, while Ohio dominates the geography. Corpus placement method.

Dominant state: Ohio 83.6%; 46 of 55 filings · 7 states touched
Seasonal peak: 2022-12 12.5%; 8–15% band · 5 filings
Divergent corpus ranks: #1,129 volume; #3,488 composite; Cleanest-composite ladder is 2,359 places worse than volume

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

How does Finance System of Toledo, 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 Tole… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

95%

93%

91%

Consumer-dispute ratelower is better

33%

27%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2022-07 2026-01

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	18
Written notification about debt	13
Disclosure verification of debt	6
Cont'd attempts collect debt not owed	5
False statements or representation	4
Improper contact or sharing of info	4
Communication tactics	3
Took or threatened to take negative or legal action	2

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

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

Ohio

46
Michigan

3
Florida

2
California

1
Georgia

1
Indiana

1
Texas

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Finance System of Toledo, 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: 55.

4 peers

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