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

CFPB complaint data Grade F 593 complaints

Fiserv Finxact Core - Debt Collector Complaint Profile

CFPB complaint profile across 47 states, reputation grade F.

Complaints by issue type

What consumers report about Fiserv Finxact Core

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

Data updated September 2026

CFPB complaint disposition

CCDB record fiserv-finxact-core Fiserv Finxact Core

Grade F · 593 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #237 · compose #467

  • VOL 593
  • GRADE F
  • 12MO 123
  • STATES 47
  • TIMELY 100%
  • ISSUE Attempts to collect debt n…
  • RANK #237
  • COMPOSE #467

Volume peers

Nearest volume peer: Ray Klein, Inc. (593 complaints)

Opportunity Financial, LLCOpportunity Financial, LLC588Optimum Outcomes, Inc.Optimum Outcomes, Inc.591Ray Klein, Inc.Ray Klein, Inc.593Fiserv Finxact Core (this)Fiserv Finxact Core (this)593Mercantile Adjustment Bureau, LLCMercantile Adjustment Bureau…594
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Fiserv Finxact Core's 593 CFPB complaints sit next to Ray Klein, 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 593 complaints break down

Every complaint issue type on record for Fiserv Finxact Core, not just the top ones shown above.

Reputation score breakdown

F
Composite reputation score
46.4/100
Fiserv Finxact Core

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
593
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate N/A
N/A
No dispute rate reported.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

Fiserv Finxact Core spreads filings across 47 states - California leads at only 11.0%

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Most-even geography
Lead state under 15%
California still leads at 11.0% across 47 states
Seasonal peak
2026-02 10.4%
8–15% band · 43 filings
Corpus ranks
#237 volume
#467 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Fiserv Finxact Core compare to its peers?

How does FISERV FINXACT CORE compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
FISERV FINXACT CORE National average
Complaints (last 12 mo)lower is better
123
93
268
Timely-response ratehigher is better
100%
98%
91%
Consumer-dispute ratelower is better
0%
17%
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 Fiserv Finxact Core 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 80%85%90%95%100%105% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Fiserv Finxact Core vs. 9 similar-volume peers, by response speed and dispute rate Ray Klein, Inc.MERCANTILE ADJUSTMENT BUREAU, LLCOptimum Outcomes, Inc.Opportunity Financial, LLCAsset Management Outsourcing, Inc.Crown Asset Management, LLC, Duluth, GA BranchUSCB, Inc.KBR INC DBA RASH CURTIS & ASSOCIATESLendmark Financial Services
Source: CFPB Consumer Complaint Database

Fiserv Finxact Core's complaint volume in context

Fiserv Finxact Core 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)

593 Top 4% higher than 96% 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. Fiserv Finxact Core 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)

Stable →
2024-04 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
426
Written notification about debt
68
False statements or representation
36
Took or threatened to take negative or legal action
32
Communication tactics
18
Electronic communications
9
Threatened to contact someone or share information improperly
4

Where do complaints against Fiserv Finxact Core come from?

Fiserv Finxact Core's own per-state count, not a national baseline.

Top states by complaints against Fiserv Finxact Core

Across 47 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 Fiserv Finxact Core: 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: 593.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 100%.

4 peers

Know your rights before responding to Fiserv Finxact Core: 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.