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

CFPB complaint data Grade D 32 complaints

FinCo Services Inc DBA Current - Debt Collector Complaint Profile

CFPB complaint profile across 17 states, reputation grade D.

Complaints by issue type

What consumers report about FinCo Services Inc DBA Current

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 56.5/100 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: FinCo Services Inc DBA Current ranks ahead of 30% of the 5,283 collectors PlainCollector grades - 70% keep a cleaner CFPB record, on 32 all-time complaints and a 93% timely-response rate.

30th pct
reputation rank of 5,283 graded collectors
32
CFPB complaints, all-time
93%
answered inside the CFPB window
23
in the last 12 months (rising)

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 FinCo Services Inc DBA Current?

FinCo Services Inc DBA Current has accumulated 32 total CFPB complaints across 17 states, with 23 filed in the most recent 12 months against 9 historical complaints before that window. The trailing-12-month volume represents 71.9% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Attempted to collect wrong amount". The company posts a 93% timely-response rate.

Complaints have been recorded across 17 states, led by New York with 4 and Texas with 4. Normalized against the full CFPB collector database, the reputation score of 56.5/100 places FinCo Services Inc DBA Current in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

32

low-volume (CCDB)

Last 12 months

23

71.9% of all-time complaints

Rising ↑

States active

17

regional footprint

Timely response rate

93%

good band

Reputation grade

D

56.5/100 composite

How does FinCo Services Inc DBA Current's reputation rank nationally?

Reputation score vs. every graded collector

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

57 30th percentile higher than 30% 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

FinCo Services Inc DBA Current versus the debt-collection vertical average.

Timely response within SLA 93.1%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

State coverage breadth 30.4%

Share of US states + territories with at least one filed complaint against this collector.

How does FinCo Services Inc DBA Current compare to its peers?

How does FinCo Services Inc DBA Current compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
FinCo Services Inc DBA… National average
Complaints (last 12 mo)lower is better
23
12
268
Timely-response ratehigher is better
93%
97%
91%
Consumer-dispute ratelower is better
0%
50%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2019-11 2020-06

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 16
False statements or representation - 7
Took or threatened to take negative or legal action - 5
Written notification about debt - 2
Communication tactics - 1
Electronic communications - 1

Where do complaints against FinCo Services Inc DBA Current come from?

FinCo Services Inc DBA Current's own per-state count, not a national baseline.

Top states by complaints against FinCo Services Inc DBA Current

Across 17 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if FinCo Services Inc DBA Current contacts you

A grade of D signals how FinCo Services Inc DBA Current'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 FinCo Services Inc DBA Current 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 FinCo Services Inc DBA Current 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 FinCo Services Inc DBA Current? ▼

The most common issue consumers report about FinCo Services Inc DBA Current is "Attempts to collect debt not owed", specifically "Attempted to collect wrong amount". This is based on 32 complaints filed with the CFPB.

Are complaints against FinCo Services Inc DBA Current increasing or decreasing? ▼

Complaints against FinCo Services Inc DBA Current are rising. The company received 23 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is FinCo Services Inc DBA Current's reputation grade? ▼

FinCo Services Inc DBA Current has a reputation grade of D (score: 56.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does FinCo Services Inc DBA Current respond to consumer complaints? ▼

FinCo Services Inc DBA Current has a 93% timely response rate to CFPB complaints.

In how many states does FinCo Services Inc DBA Current operate? ▼

FinCo Services Inc DBA Current has received CFPB complaints from consumers in 17 states, with the most complaints from New York (4 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.