Total CFPB complaints
162
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 162 complaints
Financial Corporation of America — Debt Collector Complaint Profile
CFPB complaint profile across 27 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Financial Corporation of America
- Attempts to collect debt not owed
Attempts to collect debt not owed
45 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
37 complaints
- Communication tactics
Communication tactics
20 complaints
- Disclosure verification of debt 15
Disclosure verification of debt
15 complaints
- Written notification about debt 15
Written notification about debt
15 complaints
- False statements or representation 5
False statements or representation
5 complaints
D
Grade D · 57.6/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Financial Corporation of America?
Financial Corporation of America has accumulated 162 total CFPB complaints across 27 states, with 0 filed in the most recent 12 months against 162 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
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 96% timely-response rate against a 22% 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 27 states, led by Texas with 54 and Florida with 21, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.6/100 places Financial Corporation of America 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
0
0.0% of total history
Falling ↓
States active
27
Distinct state filings
Timely response rate
96%
Within CFPB SLA window
Consumer disputes
22%
After company response
Reputation grade
D
57.6/100 composite
Response-quality profile
How Financial Corporation of America performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 95.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 43.2%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 48.2%
Share of US states + territories with at least one filed complaint against this collector.
How does Financial Corporation of America compare to its peers?
Financial Corporation … 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)
2022-03 2025-02
Top Consumer Issues
Attempts to collect debt not owed45 (%)
Cont'd attempts collect debt not owed37 (%)
Disclosure verification of debt15 (%)
Written notification about debt15 (%)
Communication tactics20 (%)
False statements or representation5 (%)
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 | 27 |
| Cont'd attempts collect debt not owed | Debt is not mine | 25 |
| Attempts to collect debt not owed | Debt was paid | 18 |
| Disclosure verification of debt | Not given enough info to verify debt | 15 |
| Written notification about debt | Didn't receive enough information to verify debt | 15 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 10 |
| Communication tactics | Frequent or repeated calls | 10 |
| Cont'd attempts collect debt not owed | Debt was paid | 6 |
| Cont'd attempts collect debt not owed | Debt resulted from identity theft | 6 |
| False statements or representation | Attempted to collect wrong amount | 5 |
Where do complaints against Financial Corporation of America come from?
The states where consumers have filed the most CFPB complaints against Financial Corporation of America. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Financial Corporation of America
Across 27 states with at least one filing
- Texas
Texas
54 complaints
- Florida 21
Florida
21 complaints
- Nevada 14
Nevada
14 complaints
- California 12
California
12 complaints
- Georgia 8
Georgia
8 complaints
- New Jersey 5
New Jersey
5 complaints
- Oklahoma 5
Oklahoma
5 complaints
- Maryland 5
Maryland
5 complaints
Frequently Asked Questions
What is the most common complaint against Financial Corporation of America? ▼
The most common issue consumers report about Financial Corporation of America is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 162 complaints filed with the CFPB.
Are complaints against Financial Corporation of America increasing or decreasing? ▼
Complaints against Financial Corporation of America are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.
What is Financial Corporation of America's reputation grade? ▼
Financial Corporation of America has a reputation grade of D (score: 57.6/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Financial Corporation of America respond to consumer complaints? ▼
Financial Corporation of America has a 96% timely response rate to CFPB complaints. Consumers disputed the company's response in 22% of cases.
In how many states does Financial Corporation of America operate? ▼
Financial Corporation of America has received CFPB complaints from consumers in 27 states, with the most complaints from Texas (54 complaints).
What can I do if Financial Corporation of America 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 Corporation of America 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 |