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

CFPB complaint data Grade F 130 complaints

Financial Accounts Service Team Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 18 states, reputation grade F.

Complaints by issue type

What consumers report about Financial Accounts Service Team Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 44.8/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: Financial Accounts Service Team Inc. ranks ahead of 7% of the 5,283 collectors PlainCollector grades - 93% keep a cleaner CFPB record, on 130 all-time complaints and a 41% timely-response rate.

7th pct
reputation rank of 5,283 graded collectors
130
CFPB complaints, all-time
41%
answered inside the CFPB window
36
in the last 12 months (stable)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Financial Accounts Service Team Inc.?

Financial Accounts Service Team Inc. has accumulated 130 total CFPB complaints across 18 states, with 36 filed in the most recent 12 months against 94 historical complaints before that window. The trailing-12-month volume represents 27.7% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 41% timely-response rate against a 0% consumer-dispute-after-response rate.

Complaints have been recorded across 18 states, led by Tennessee with 47 and Georgia with 17. Normalized against the full CFPB collector database, the reputation score of 44.8/100 places Financial Accounts Service Team Inc. in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

130

mid-volume (CCDB)

Last 12 months

36

27.7% of all-time complaints

Stable →

States active

18

regional footprint

Timely response rate

41%

below sla band

Consumer disputes

0%

low (vertical avg ~19%)

Reputation grade

F

44.8/100 composite

How does Financial Accounts Service Team Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

45 Bottom 7% higher than 7% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). This entry sits in this band. 50–60: 1,469 graded collectors (28%). Above this entry. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Financial Accounts Service Team Inc. versus the debt-collection vertical average.

Timely response within SLA 41.3%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 0.0%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 32.1%

Share of US states + territories with at least one filed complaint against this collector.

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, drawn from 10 collectors with a comparable complaint count
Financial Accounts Ser… National average
Complaints (last 12 mo)lower is better
36
35
268
Timely-response ratehigher is better
41%
99%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2019-09 2025-09

Issue Detail Breakdown

Issue Sub-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.

Top states by complaints against Financial Accounts Service Team Inc.

Across 18 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Financial Accounts Service Team Inc. contacts you

A grade of F signals how Financial Accounts Service Team Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Financial Accounts Service Team Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Financial Accounts Service Team Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 44.8/100), 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).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.