Total CFPB complaints
22
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 22 complaints
Full Circle Financial Services, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 16 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Full Circle Financial Services, LLC
- False statements or representation
False statements or representation
5 complaints
- Written notification about debt
Written notification about debt
4 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
3 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
2 complaints
- Communication tactics 1
Communication tactics
1 complaints
- Disclosure verification of debt 1
Disclosure verification of debt
1 complaints
B
Grade B · 68.3/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about Full Circle Financial Services, LLC?
Full Circle Financial Services, LLC has accumulated 22 total CFPB complaints across 16 states, with 4 filed in the most recent 12 months against 18 historical complaints before that window. The trailing-12-month volume represents 18.2% 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 "False statements or representation", narrowing to "Attempted to collect wrong amount", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 86% timely-response rate against a 0% 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 16 states, led by California with 3 and Arizona with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 68.3/100 places Full Circle Financial Services, LLC in grade band B, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
4
18.2% of total history
Rising ↑
States active
16
Distinct state filings
Timely response rate
86%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
B
68.3/100 composite
Response-quality profile
How Full Circle Financial Services, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 86.4%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 28.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Full Circle Financial Services, LLC compare to its peers?
Full Circle Financial … 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)
2014-08 2026-03
Top Consumer Issues
False statements or representation5 (%)
Written notification about debt4 (%)
Attempts to collect debt not owed3 (%)
Communication tactics1 (%)
Disclosure verification of debt1 (%)
Cont'd attempts collect debt not owed2 (%)
Took or threatened to take negative or legal action1 (%)
Improper contact or sharing of info1 (%)
Most common issue: False statements or representation — Attempted to collect wrong amount
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 |
|---|---|---|
| False statements or representation | Attempted to collect wrong amount | 5 |
| Written notification about debt | Didn't receive enough information to verify debt | 4 |
| Attempts to collect debt not owed | Debt is not yours | 2 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 1 |
| Disclosure verification of debt | Not given enough info to verify debt | 1 |
| Cont'd attempts collect debt not owed | Debt was paid | 1 |
| Cont'd attempts collect debt not owed | Debt resulted from identity theft | 1 |
| Took or threatened to take negative or legal action | Collected or attempted to collect exempt funds | 1 |
| Improper contact or sharing of info | Talked to a third party about my debt | 1 |
Where do complaints against Full Circle Financial Services, LLC come from?
The states where consumers have filed the most CFPB complaints against Full Circle Financial Services, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Full Circle Financial Services, LLC
Across 16 states with at least one filing
- California
California
3 complaints
- Arizona
Arizona
3 complaints
- Tennessee
Tennessee
2 complaints
- Illinois 1
Illinois
1 complaints
- South Carolina 1
South Carolina
1 complaints
- Kansas 1
Kansas
1 complaints
- Washington 1
Washington
1 complaints
- Alabama 1
Alabama
1 complaints
Frequently Asked Questions
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 "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 22 complaints filed with the CFPB.
Are complaints against Full Circle Financial Services, LLC increasing or decreasing? ▼
Complaints against Full Circle Financial Services, LLC are rising. The company received 4 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Full Circle Financial Services, LLC's reputation grade? ▼
Full Circle Financial Services, LLC has a reputation grade of B (score: 68.3/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
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 16 states, with the most complaints from California (3 complaints).
What can I do if Full Circle Financial Services, LLC 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 Full Circle Financial Services, LLC 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 |