Total CFPB complaints
121
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 121 complaints
Financial Accounts Service Team Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 18 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Financial Accounts Service Team Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
41 complaints
- Written notification about debt
Written notification about debt
25 complaints
- Took or threatened to take negative or legal action 11
Took or threatened to take negative or legal action
11 complaints
- False statements or representation 9
False statements or representation
9 complaints
- Communication tactics 7
Communication tactics
7 complaints
- Cont'd attempts collect debt not owed 4
Cont'd attempts collect debt not owed
4 complaints
F
Grade F · 44.8/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Financial Accounts Service Team Inc.?
Financial Accounts Service Team Inc. has accumulated 121 total CFPB complaints across 18 states, with 32 filed in the most recent 12 months against 89 historical complaints before that window. The trailing-12-month volume represents 26.4% 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 41% timely-response rate against a 0% 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 18 states, led by Tennessee with 46 and Georgia with 15, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 44.8/100 places Financial Accounts Service Team Inc. in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
32
26.4% of total history
Rising ↑
States active
18
Distinct state filings
Timely response rate
41%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
F
44.8/100 composite
Response-quality profile
How Financial Accounts Service Team Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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?
Financial Accounts Ser… 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)
2023-11 2026-02
Top Consumer Issues
Attempts to collect debt not owed41 (%)
Written notification about debt25 (%)
Took or threatened to take negative or legal action11 (%)
False statements or representation9 (%)
Communication tactics7 (%)
Cont'd attempts collect debt not owed4 (%)
Threatened to contact someone or share information improperly4 (%)
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 | 24 |
| Written notification about debt | Didn't receive enough information to verify debt | 14 |
| Attempts to collect debt not owed | Debt was paid | 13 |
| Written notification about debt | Didn't receive notice of right to dispute | 11 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 11 |
| False statements or representation | Attempted to collect wrong amount | 9 |
| Communication tactics | Frequent or repeated calls | 7 |
| Cont'd attempts collect debt not owed | Debt was paid | 4 |
| Attempts to collect debt not owed | Debt was result of identity theft | 4 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 4 |
Where do complaints against Financial Accounts Service Team Inc. come from?
The states where consumers have filed the most CFPB complaints against Financial Accounts Service Team Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Financial Accounts Service Team Inc.
Across 18 states with at least one filing
- Tennessee
Tennessee
46 complaints
- Georgia 15
Georgia
15 complaints
- Oklahoma 12
Oklahoma
12 complaints
- Louisiana 10
Louisiana
10 complaints
- Texas 9
Texas
9 complaints
- South Carolina 5
South Carolina
5 complaints
- North Carolina 4
North Carolina
4 complaints
- Kansas 4
Kansas
4 complaints
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 121 complaints filed with the CFPB.
Are complaints against Financial Accounts Service Team Inc. increasing or decreasing? ▼
Complaints against Financial Accounts Service Team Inc. are rising. The company received 32 complaints in the last 12 months, indicating an upward trend in consumer issues.
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). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 (46 complaints).
What can I do if Financial Accounts Service Team 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 Financial Accounts Service Team 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 |