What is the most common complaint against Full Circle Financial Services, LLC?

The most common issue consumers report about Full Circle Financial Services, LLC is "Written notification about debt", specifically "Attempted to collect wrong amount". This is based on 24 complaints filed with the CFPB.

Are complaints against Full Circle Financial Services, LLC increasing or decreasing?

Complaints against Full Circle Financial Services, LLC are falling. The company received 3 complaints in the last 12 months, showing improvement over prior periods.

What is Full Circle Financial Services, LLC's reputation grade?

Full Circle Financial Services, LLC has a reputation grade of B (score: 64.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Full Circle Financial Services, LLC respond to consumer complaints?

Full Circle Financial Services, LLC has a 86% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Full Circle Financial Services, LLC operate?

Full Circle Financial Services, LLC has received CFPB complaints from consumers in 17 states, with the most complaints from Arizona (3 complaints).

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

Full Circle Financial Services, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 17 states, reputation grade B.

Compiled by PlainCollector

Written notification about debt

7
False statements or representation

5
Attempts to collect debt not owed

3
Cont'd attempts collect debt not owed

3
Took or threatened to take negative or legal action

2
Communication tactics

2

Data updated September 2026

CFPB complaint disposition

CCDB record full-circle-financial-services-llc Full Circle Financial Services, LLC

Grade B · 24 CFPB filings · 86% timely · lead issue: Written notification about debt · vol #1740 · compose #1866

VOL 24
GRADE B
12MO 3
STATES 17
TIMELY 86%
DISPUTE 0%
ISSUE Written notification about…
RANK #1,740
COMPOSE #1,866

Volume peers

Nearest volume peer: Acceptance Rentals, Inc. (24 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Full Circle Financial Services, LLC's 24 CFPB complaints sit next to Acceptance Rentals, 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 →

Distributed filing map

Full Circle Financial Services, LLC spreads filings across 17 states - Arizona leads at only 12.5%

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%; Arizona still leads at 12.5% across 17 states
Seasonal peak: 2021-05 14.3%; 8–15% band · 1 filings
Corpus ranks: #1,740 volume; #1,866 composite; Among 5,420 volume-ranked / 5,278 scored collectors

How does Full Circle Financial Services, LLC compare to its peers?

How does Full Circle Financial Services, LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Full Circle Financial … National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

86%

100%

91%

Consumer-dispute ratelower is better

20%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2021-05 2025-11

Issue Detail Breakdown

Issue	Complaints
Written notification about debt	7
False statements or representation	5
Attempts to collect debt not owed	3
Cont'd attempts collect debt not owed	3
Took or threatened to take negative or legal action	2
Communication tactics	2
Disclosure verification of debt	1
Improper contact or sharing of info	1

Where do complaints against Full Circle Financial Services, LLC come from?

Full Circle Financial Services, LLC's own per-state count, not a national baseline.

Arizona

3
California

3
Ohio

2
Tennessee

2
Alabama

1
Colorado

1
Delaware

1
Florida

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Full Circle Financial Services, LLC: 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: 24.

4 peers

Know your rights before responding to Full Circle Financial Services, LLC: 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.