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

CFPB complaint data Grade C 49 complaints

Nicholas Financial Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 14 states, reputation grade C.

Complaints by issue type

What consumers report about Nicholas Financial Inc.

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

Data updated September 2026

CFPB complaint disposition

CCDB record nicholas-financial-inc Nicholas Financial Inc.

Grade C · 49 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed

  • VOL 49
  • GRADE C
  • 12MO 0
  • STATES 14
  • TIMELY 100%
  • DISPUTE 25%
  • ISSUE Attempts to collect debt n…
  • RANK #1,209
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Account Recovery Specialists, Inc. (49 complaints)

Account Recovery Specialists, Inc.Account Recovery Specialists…49BQ & Associates, P.C., L.L.O.BQ & Associates, P.C., L.L.O.49CDI Affiliated Services, Inc.CDI Affiliated Services, Inc.49Certified Services, Inc.Certified Services, Inc.49Nicholas Financial Inc. (this)Nicholas Financial Inc. (thi…49
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Nicholas Financial Inc.'s 49 CFPB complaints sit next to Account Recovery Specialists, 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 49 complaints break down

Every complaint issue type on record for Nicholas Financial Inc., not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
58.9/100
Nicholas Financial Inc.

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 D
49
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 B
25%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Steady monthly series

Florida is the plurality state for Nicholas Financial Inc. (22.4%)

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

Plurality state
Florida 22.4%
Mid-band (15–30%) · 14 states with ≥1 filing
Even monthly load
Peak under 8%
Highest month 2016-05 at 7.1% (2 filings)
Corpus ranks
#1,209 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Nicholas Financial Inc. compare to its peers?

How does Nicholas Financial Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Nicholas Financial Inc. National average
Complaints (last 12 mo)lower is better
0
25
268
Timely-response ratehigher is better
100%
98%
91%
Consumer-dispute ratelower is better
25%
0%
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 Nicholas Financial Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 8 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 40%60%80%100%120% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Nicholas Financial Inc. vs. 7 similar-volume peers, by response speed and dispute rate Nicholas Financial Inc.O&L LAW GROUP, P.L.Markoff Law LLCOptima Recovery Services LLC.MIDCOUNTRY FINANCIAL CORPKenneth, Eisen & Associates, LTD.Gragil Associates, Inc.Siggi LLC
Source: CFPB Consumer Complaint Database

Nicholas Financial Inc.'s complaint volume in context

Nicholas Financial Inc. 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)

49 Top 22% higher than 78% 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%). This entry sits in this band. 60–80: 163 collectors (3%). Above this entry. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Nicholas Financial Inc. 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)

Falling ↓
2016-01 2026-02

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
24
Written notification about debt
7
False statements or representation
5
Communication tactics
5
Cont'd attempts collect debt not owed
3
Took or threatened to take negative or legal action
2
Improper contact or sharing of info
2
Threatened to contact someone or share information improperly
1

Where do complaints against Nicholas Financial Inc. come from?

Nicholas Financial Inc.'s own per-state count, not a national baseline.

Top states by complaints against Nicholas Financial Inc.

Across 14 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 Nicholas Financial Inc.: 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: 49.

4 peers

Know your rights before responding to Nicholas Financial Inc.: 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.