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

CFPB complaint data Grade D 162 complaints

Financial Corporation of America - Debt Collector Complaint Profile

CFPB complaint profile across 27 states, reputation grade D.

Complaints by issue type

What consumers report about Financial Corporation of America

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 57.6/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

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

The verdict

A reputation grade of D: Financial Corporation of America ranks ahead of 33% of the 5,283 collectors PlainCollector grades - 67% keep a cleaner CFPB record, on 162 all-time complaints and a 96% timely-response rate.

33rd pct
reputation rank of 5,283 graded collectors
162
CFPB complaints, all-time
96%
answered inside the CFPB window
0
in the last 12 months (falling)

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 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". The company posts a 96% timely-response rate against a 22% consumer-dispute-after-response rate.

Complaints have been recorded across 27 states, led by Texas with 54 and Florida with 21. Normalized against the full CFPB collector database, the reputation score of 57.6/100 places Financial Corporation of America in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

162

mid-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

27

multi-region footprint

Timely response rate

96%

excellent band

Consumer disputes

22%

elevated (vertical avg ~19%)

Reputation grade

D

57.6/100 composite

How does Financial Corporation of America's reputation rank nationally?

Reputation score vs. every graded collector

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

58 33rd percentile higher than 33% 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%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 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 Corporation of America versus the debt-collection vertical average.

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) 21.6%
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?

How does Financial Corporation of America compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Financial Corporation … National average
Complaints (last 12 mo)lower is better
0
82
268
Timely-response ratehigher is better
96%
99%
91%
Consumer-dispute ratelower is better
22%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-09 2026-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 48
Cont'd attempts collect debt not owed - 38
Communication tactics - 26
Disclosure verification of debt - 21
Written notification about debt - 19
False statements or representation - 5
Improper contact or sharing of info - 3
Threatened to contact someone or share information improperly - 2

Where do complaints against Financial Corporation of America come from?

Financial Corporation of America's own per-state count, not a national baseline.

Top states by complaints against Financial Corporation of America

Across 27 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Financial Corporation of America contacts you

A grade of D signals how Financial Corporation of America'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 Corporation of America 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 Corporation of America 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 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), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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).

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.