Total CFPB complaints
6
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 6 complaints
H & S Financial, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 5 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about H & S Financial, Inc.
- Taking/threatening an illegal action
Taking/threatening an illegal action
1 complaints
- Communication tactics
Communication tactics
1 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
1 complaints
- Written notification about debt
Written notification about debt
1 complaints
- False statements or representation
False statements or representation
1 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
1 complaints
D
Grade D · 57.3/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about H & S Financial, Inc.?
H & S Financial, Inc. has accumulated 6 total CFPB complaints across 5 states, with 1 filed in the most recent 12 months against 5 historical complaints before that window. The trailing-12-month volume represents 16.7% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Taking/threatening an illegal action", narrowing to "Sued w/o proper notification of suit", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 67% timely-response rate against a 50% 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 5 states, led by Georgia with 2 and Indiana with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.3/100 places H & S Financial, Inc. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
1
16.7% of total history
Stable →
States active
5
Distinct state filings
Timely response rate
67%
Within CFPB SLA window
Consumer disputes
50%
After company response
Reputation grade
D
57.3/100 composite
Response-quality profile
How H & S Financial, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 66.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 100.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 8.9%
Share of US states + territories with at least one filed complaint against this collector.
How does H & S Financial, Inc. compare to its peers?
H & S Financial, Inc. 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)
2015-03 2025-08
Top Consumer Issues
Taking/threatening an illegal action1 (%)
Communication tactics1 (%)
Took or threatened to take negative or legal action1 (%)
Written notification about debt1 (%)
False statements or representation1 (%)
Attempts to collect debt not owed1 (%)
Most common issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
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 |
|---|---|---|
| Taking/threatening an illegal action | Sued w/o proper notification of suit | 1 |
| Communication tactics | Called outside of 8am-9pm | 1 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 1 |
| Written notification about debt | Didn't receive notice of right to dispute | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Attempts to collect debt not owed | Debt was paid | 1 |
Where do complaints against H & S Financial, Inc. come from?
The states where consumers have filed the most CFPB complaints against H & S Financial, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against H & S Financial, Inc.
Across 5 states with at least one filing
- Georgia
Georgia
2 complaints
- Indiana
Indiana
1 complaints
- Ohio
Ohio
1 complaints
- California
California
1 complaints
- West Virginia
West Virginia
1 complaints
Frequently Asked Questions
What is the most common complaint against H & S Financial, Inc.? ▼
The most common issue consumers report about H & S Financial, Inc. is "Taking/threatening an illegal action", specifically "Sued w/o proper notification of suit". This is based on 6 complaints filed with the CFPB.
Are complaints against H & S Financial, Inc. increasing or decreasing? ▼
Complaints against H & S Financial, Inc. have been stable. The company received 1 complaints in the last 12 months.
What is H & S Financial, Inc.'s reputation grade? ▼
H & S Financial, Inc. has a reputation grade of D (score: 57.3/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does H & S Financial, Inc. respond to consumer complaints? ▼
H & S Financial, Inc. has a 67% timely response rate to CFPB complaints. Consumers disputed the company's response in 50% of cases.
In how many states does H & S Financial, Inc. operate? ▼
H & S Financial, Inc. has received CFPB complaints from consumers in 5 states, with the most complaints from Georgia (2 complaints).
What can I do if H & S Financial, Inc. 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 H & S Financial, Inc. 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 |