Total CFPB complaints
255
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 255 complaints
Financial Data Systems — Debt Collector Complaint Profile
CFPB complaint profile across 19 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Financial Data Systems
- Attempts to collect debt not owed
Attempts to collect debt not owed
96 complaints
- Written notification about debt
Written notification about debt
89 complaints
- Cont'd attempts collect debt not owed 13
Cont'd attempts collect debt not owed
13 complaints
- False statements or representation 10
False statements or representation
10 complaints
- Took or threatened to take negative or legal action 9
Took or threatened to take negative or legal action
9 complaints
- Disclosure verification of debt 6
Disclosure verification of debt
6 complaints
F
Grade F · 49.9/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Financial Data Systems?
Financial Data Systems has accumulated 255 total CFPB complaints across 19 states, with 0 filed in the most recent 12 months against 255 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Written notification about debt", narrowing to "Didn't receive enough information to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 71% timely-response rate against a 12% 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 19 states, led by North Carolina with 107 and South Carolina with 66, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 49.9/100 places Financial Data Systems 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
0
0.0% of total history
Stable →
States active
19
Distinct state filings
Timely response rate
71%
Within CFPB SLA window
Consumer disputes
12%
After company response
Reputation grade
F
49.9/100 composite
Response-quality profile
How Financial Data Systems performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 70.6%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 23.5%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 33.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Financial Data Systems compare to its peers?
Financial Data Systems 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)
2021-09 2023-11
Top Consumer Issues
Written notification about debt89 (%)
Attempts to collect debt not owed96 (%)
False statements or representation10 (%)
Took or threatened to take negative or legal action9 (%)
Cont'd attempts collect debt not owed13 (%)
Disclosure verification of debt6 (%)
Most common issue: Written notification about debt — Didn't receive enough information to verify debt
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 |
|---|---|---|
| Written notification about debt | Didn't receive enough information to verify debt | 74 |
| Attempts to collect debt not owed | Debt is not yours | 53 |
| Attempts to collect debt not owed | Debt was result of identity theft | 26 |
| Attempts to collect debt not owed | Debt was paid | 17 |
| Written notification about debt | Didn't receive notice of right to dispute | 15 |
| False statements or representation | Attempted to collect wrong amount | 10 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 9 |
| Cont'd attempts collect debt not owed | Debt is not mine | 7 |
| Cont'd attempts collect debt not owed | Debt was paid | 6 |
| Disclosure verification of debt | Right to dispute notice not received | 6 |
Where do complaints against Financial Data Systems come from?
The states where consumers have filed the most CFPB complaints against Financial Data Systems. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Financial Data Systems
Across 19 states with at least one filing
- North Carolina
North Carolina
107 complaints
- South Carolina
South Carolina
66 complaints
- Texas 17
Texas
17 complaints
- Florida 15
Florida
15 complaints
- Georgia 11
Georgia
11 complaints
- New Jersey 7
New Jersey
7 complaints
- Mississippi 7
Mississippi
7 complaints
- Maryland 6
Maryland
6 complaints
Frequently Asked Questions
What is the most common complaint against Financial Data Systems? ▼
The most common issue consumers report about Financial Data Systems is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 255 complaints filed with the CFPB.
Are complaints against Financial Data Systems increasing or decreasing? ▼
Complaints against Financial Data Systems have been stable. The company received 0 complaints in the last 12 months.
What is Financial Data Systems's reputation grade? ▼
Financial Data Systems has a reputation grade of F (score: 49.9/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does Financial Data Systems respond to consumer complaints? ▼
Financial Data Systems has a 71% timely response rate to CFPB complaints. Consumers disputed the company's response in 12% of cases.
In how many states does Financial Data Systems operate? ▼
Financial Data Systems has received CFPB complaints from consumers in 19 states, with the most complaints from North Carolina (107 complaints).
What can I do if Financial Data Systems 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 Data Systems 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 |