What is the most common complaint against Financial Accounts Service Team Inc.?

The most common issue consumers report about Financial Accounts Service Team Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 130 complaints filed with the CFPB.

Are complaints against Financial Accounts Service Team Inc. increasing or decreasing?

Complaints against Financial Accounts Service Team Inc. have been stable. The company received 36 complaints in the last 12 months.

What is Financial Accounts Service Team Inc.'s reputation grade?

Financial Accounts Service Team Inc. has a reputation grade of F (score: 41.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Financial Accounts Service Team Inc. respond to consumer complaints?

Financial Accounts Service Team Inc. has a 41% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Financial Accounts Service Team Inc. operate?

Financial Accounts Service Team Inc. has received CFPB complaints from consumers in 18 states, with the most complaints from Tennessee (47 complaints).

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

Financial Accounts Service Team Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 18 states, reputation grade F.

Compiled by PlainCollector

Attempts to collect debt not owed

49
Written notification about debt

27
Took or threatened to take negative or legal action

12
False statements or representation

12
Communication tactics

12
Cont'd attempts collect debt not owed

6

Data updated September 2026

CFPB complaint disposition

CCDB record financial-accounts-service-team-inc Financial Accounts Service Team Inc.

Grade F · 130 CFPB filings · 41% timely · lead issue: Attempts to collect debt not owed · vol #714 · compose #4864

VOL 130
GRADE F
12MO 36
STATES 18
TIMELY 41%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #714
COMPOSE #4,864

Volume peers

Nearest volume peer: Freedom Mortgage Company (130 complaints)

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

Financial Accounts Service Team Inc.'s 130 CFPB complaints sit next to Freedom Mortgage Company 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

36.2% of Financial Accounts Service Team Inc.'s CFPB filings land in Tennessee

High volume does not equal a clean composite: Financial Accounts Service Team Inc. is volume #714 but composite #4,864, while Tennessee dominates the geography. Corpus placement method.

Dominant state: Tennessee 36.2%; 47 of 130 filings · 18 states touched
Even monthly load: Peak under 8%; Highest month 2020-08 at 7.1% (2 filings)
Divergent corpus ranks: #714 volume; #4,864 composite; Cleanest-composite ladder is 4,150 places worse than volume

How does Financial Accounts Service Team Inc. compare to its peers?

How does Financial Accounts Service Team 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

Financial Accounts Ser… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

41%

99%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2019-09 2025-09

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	49
Written notification about debt	27
Took or threatened to take negative or legal action	12
False statements or representation	12
Communication tactics	12
Cont'd attempts collect debt not owed	6
Disclosure verification of debt	5
Threatened to contact someone or share information improperly	5
Improper contact or sharing of info	1
Taking/threatening an illegal action	1

Where do complaints against Financial Accounts Service Team Inc. come from?

Financial Accounts Service Team Inc.'s own per-state count, not a national baseline.

Tennessee

47
Georgia

17
Oklahoma

13
Louisiana

11
Texas

10
South Carolina

7
Kansas

5
North Carolina

4

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Financial Accounts Service Team 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: 130.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 41.32231404958678%.

4 peers

Know your rights before responding to Financial Accounts Service Team 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.