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

CFPB complaint data Grade D 388 complaints

Financial Credit Network Inc - Debt Collector Complaint Profile

CFPB complaint profile across 23 states, reputation grade D.

Complaints by issue type

What consumers report about Financial Credit Network Inc

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record financial-credit-network-inc Financial Credit Network Inc

Grade D · 388 CFPB filings · 99% timely · lead issue: Attempts to collect debt not owed · vol #328 · compose #209

  • VOL 388
  • GRADE D
  • 12MO 66
  • STATES 23
  • TIMELY 99%
  • DISPUTE 20%
  • ISSUE Attempts to collect debt n…
  • RANK #328
  • COMPOSE #209

Volume peers

Nearest volume peer: Financial Recovery Services, Inc. (388 complaints)

Leafy Financial, LLCLeafy Financial, LLC383American Profit Recovery, Inc., Marlborough, MA BranchAmerican Profit Recovery, In…386Financial Recovery Services, Inc.Financial Recovery Services,…388Financial Credit Network Inc (this)Financial Credit Network Inc…388American First Finance, Inc.American First Finance, Inc.392
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Financial Credit Network Inc's 388 CFPB complaints sit next to Financial Recovery Services, Inc. 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 →

How the 388 complaints break down

Every complaint issue type on record for Financial Credit Network Inc, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
53.8/100
Financial Credit Network Inc

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
388
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
99%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
20%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

83.0% of Financial Credit Network Inc's CFPB filings land in California

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
California 83.0%
322 of 388 filings · 23 states touched
Seasonal peak
2025-01 8.7%
8–15% band · 16 filings
Corpus ranks
#328 volume
#209 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Financial Credit Network Inc compare to its peers?

How does Financial Credit Network 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 Credit Network Inc National average
Complaints (last 12 mo)lower is better
66
62
268
Timely-response ratehigher is better
99%
99%
91%
Consumer-dispute ratelower is better
20%
13%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Financial Credit Network Inc a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 92%94%96%98%100%102% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Financial Credit Network Inc vs. 8 similar-volume peers, by response speed and dispute rate Financial Credit Network IncFinancial Recovery Services, Inc.American Profit Recovery, Inc., Marlborough, MA BranchHerbert P. Sears Co., Inc.The Best Service Co.,IncSentry Recovery and Collections, Inc.FIRST NATIONAL BANK OF OMAHANational Collection Systems, Inc.Hunt & Henriques
Source: CFPB Consumer Complaint Database

Financial Credit Network Inc's complaint volume in context

Financial Credit Network Inc vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

388 Top 6% higher than 94% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Financial Credit Network Inc 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2024-04 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
154
Written notification about debt
80
Cont'd attempts collect debt not owed
41
False statements or representation
37
Took or threatened to take negative or legal action
35
Disclosure verification of debt
15
Communication tactics
11
Threatened to contact someone or share information improperly
5
Electronic communications
5
Taking/threatening an illegal action
3

Where do complaints against Financial Credit Network Inc come from?

Financial Credit Network Inc's own per-state count, not a national baseline.

Top states by complaints against Financial Credit Network Inc

Across 23 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Financial Credit Network 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: 388.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.46236559139786%.

4 peers

Know your rights before responding to Financial Credit Network 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.