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

CFPB complaint data Grade F 255 complaints

Financial Data Systems - Debt Collector Complaint Profile

CFPB complaint profile across 19 states, reputation grade F.

Complaints by issue type

What consumers report about Financial Data Systems

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

Data updated September 2026

CFPB complaint disposition

CCDB record financial-data-systems Financial Data Systems

Grade F · 255 CFPB filings · 71% timely · lead issue: Attempts to collect debt not owed · vol #442 · compose #466

  • VOL 255
  • GRADE F
  • 12MO 0
  • STATES 19
  • TIMELY 71%
  • DISPUTE 12%
  • ISSUE Attempts to collect debt n…
  • RANK #442
  • COMPOSE #466

Volume peers

Nearest volume peer: VW Credit (255 complaints)

Collection Bureau of Fort Walton Beach, IncCollection Bureau of Fort Wa…254Collection Consultants of CaliforniaCollection Consultants of Ca…254VW CreditVW Credit255Financial Data Systems (this)Financial Data Systems (this)255Duvera Billing Services, LLCDuvera Billing Services, LLC257
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Financial Data Systems's 255 CFPB complaints sit next to VW Credit 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 255 complaints break down

Every complaint issue type on record for Financial Data Systems, not just the top ones shown above.

Reputation score breakdown

F
Composite reputation score
46.5/100
Financial Data Systems

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
255
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response B
71%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
12%
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

42.0% of Financial Data Systems's CFPB filings land in North Carolina

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

Dominant state
North Carolina 42.0%
107 of 255 filings · 19 states touched
Seasonal peak
2023-08 10.7%
8–15% band · 3 filings
Corpus ranks
#442 volume
#466 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Financial Data Systems compare to its peers?

How does Financial Data Systems 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 Data Systems National average
Complaints (last 12 mo)lower is better
0
92
268
Timely-response ratehigher is better
71%
100%
91%
Consumer-dispute ratelower is better
12%
15%
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 Data Systems a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 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 60%70%80%90%100%110% 10%20%30%40%50% Timely response rate (%) Dispute rate (%) Financial Data Systems vs. 10 similar-volume peers, by response speed and dispute rate Financial Data SystemsVW CreditCollection Bureau of Fort Walton Beach, IncCollection Consultants of CaliforniaDuvera Billing Services, LLCCottonwood Financial Ltd.Capstone Credit & Collection, LLC.BC SERVICES, INC.Financial Management Solutions, LLCKansas Counselors, Inc.Forster & Garbus LLP
Source: CFPB Consumer Complaint Database

Financial Data Systems's complaint volume in context

Financial Data Systems 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)

255 Top 8% higher than 92% 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 Data Systems 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 ↓
2018-09 2025-07

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
97
Written notification about debt
91
Cont'd attempts collect debt not owed
15
Communication tactics
14
Took or threatened to take negative or legal action
11
False statements or representation
10
Disclosure verification of debt
9
Threatened to contact someone or share information improperly
5
Improper contact or sharing of info
3

Where do complaints against Financial Data Systems come from?

Financial Data Systems's own per-state count, not a national baseline.

Top states by complaints against Financial Data Systems

Across 19 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 Data Systems: 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: 255.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 70.58823529411765%.

4 peers

Know your rights before responding to Financial Data Systems: 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.