Total CFPB complaints
569
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 569 complaints
FISERV FINXACT CORE — Debt Collector Complaint Profile
CFPB complaint profile across 46 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about FISERV FINXACT CORE
- Attempts to collect debt not owed
Attempts to collect debt not owed
396 complaints
- Written notification about debt 59
Written notification about debt
59 complaints
- False statements or representation 32
False statements or representation
32 complaints
- Took or threatened to take negative or legal action 28
Took or threatened to take negative or legal action
28 complaints
- Communication tactics 17
Communication tactics
17 complaints
F
Grade F · 49.2/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about FISERV FINXACT CORE?
FISERV FINXACT CORE has accumulated 569 total CFPB complaints across 46 states, with 121 filed in the most recent 12 months against 448 historical complaints before that window. The trailing-12-month volume represents 21.3% 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 "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 46 states, led by California with 71 and Texas with 58, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 49.2/100 places FISERV FINXACT CORE 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
121
21.3% of total history
Rising ↑
States active
46
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
F
49.2/100 composite
Response-quality profile
How FISERV FINXACT CORE performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 82.1%
Share of US states + territories with at least one filed complaint against this collector.
How does FISERV FINXACT CORE compare to its peers?
FISERV FINXACT CORE 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)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed396 (%)
Written notification about debt59 (%)
False statements or representation32 (%)
Took or threatened to take negative or legal action28 (%)
Communication tactics17 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 186 |
| Attempts to collect debt not owed | Debt was result of identity theft | 134 |
| Attempts to collect debt not owed | Debt was paid | 66 |
| Written notification about debt | Didn't receive enough information to verify debt | 46 |
| False statements or representation | Attempted to collect wrong amount | 32 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 28 |
| Written notification about debt | Didn't receive notice of right to dispute | 13 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 10 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 10 |
| Communication tactics | Frequent or repeated calls | 7 |
Where do complaints against FISERV FINXACT CORE come from?
The states where consumers have filed the most CFPB complaints against FISERV FINXACT CORE. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against FISERV FINXACT CORE
Across 46 states with at least one filing
- California
California
71 complaints
- Texas
Texas
58 complaints
- New York
New York
33 complaints
- Florida
Florida
33 complaints
- Pennsylvania
Pennsylvania
32 complaints
- Maryland 21
Maryland
21 complaints
- Tennessee 20
Tennessee
20 complaints
- Georgia 20
Georgia
20 complaints
Frequently Asked Questions
What is the most common complaint against FISERV FINXACT CORE? ▼
The most common issue consumers report about FISERV FINXACT CORE is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 569 complaints filed with the CFPB.
Are complaints against FISERV FINXACT CORE increasing or decreasing? ▼
Complaints against FISERV FINXACT CORE are rising. The company received 121 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is FISERV FINXACT CORE's reputation grade? ▼
FISERV FINXACT CORE has a reputation grade of F (score: 49.2/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does FISERV FINXACT CORE respond to consumer complaints? ▼
FISERV FINXACT CORE has a 100% timely response rate to CFPB complaints.
In how many states does FISERV FINXACT CORE operate? ▼
FISERV FINXACT CORE has received CFPB complaints from consumers in 46 states, with the most complaints from California (71 complaints).
What can I do if FISERV FINXACT CORE 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 FISERV FINXACT CORE 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 |