What is the most common complaint against SET Financial Corporation?

The most common issue consumers report about SET Financial Corporation is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 21 complaints filed with the CFPB.

Are complaints against SET Financial Corporation increasing or decreasing?

Complaints against SET Financial Corporation are rising. The company received 9 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is SET Financial Corporation's reputation grade?

SET Financial Corporation has a reputation grade of B (score: 64.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does SET Financial Corporation respond to consumer complaints?

SET Financial Corporation has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 25% of cases.

In how many states does SET Financial Corporation operate?

SET Financial Corporation has received CFPB complaints from consumers in 5 states, with the most complaints from South Carolina (17 complaints).

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

SET Financial Corporation - Debt Collector Complaint Profile

CFPB complaint profile across 5 states, reputation grade B.

Compiled by PlainCollector

Attempts to collect debt not owed

11
Communication tactics

3
Written notification about debt

2
Took or threatened to take negative or legal action

2
Cont'd attempts collect debt not owed

1
Threatened to contact someone or share information improperly

1

Data updated September 2026

CFPB complaint disposition

CCDB record set-financial-corporation SET Financial Corporation

Grade B · 21 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #1873 · compose #1824

VOL 21
GRADE B
12MO 9
STATES 5
TIMELY 100%
DISPUTE 25%
ISSUE Attempts to collect debt n…
RANK #1,873
COMPOSE #1,824

Volume peers

Nearest volume peer: A & E Futures LLC (21 complaints)

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

SET Financial Corporation's 21 CFPB complaints sit next to A & E Futures LLC 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 →

State-heavy filing map

81.0% of SET Financial Corporation's CFPB filings land in South Carolina

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state: South Carolina 81.0%; 17 of 21 filings · 5 states touched
Seasonal peak: 2023-12 14.3%; 8–15% band · 3 filings
Corpus ranks: #1,873 volume; #1,824 composite; Among 5,420 volume-ranked / 5,278 scored collectors

How does SET Financial Corporation compare to its peers?

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

SET Financial Corporat… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

19%

91%

Consumer-dispute ratelower is better

25%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-06 2025-10

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	11
Communication tactics	3
Written notification about debt	2
Took or threatened to take negative or legal action	2
Cont'd attempts collect debt not owed	1
Threatened to contact someone or share information improperly	1
Improper contact or sharing of info	1

Where do complaints against SET Financial Corporation come from?

SET Financial Corporation's own per-state count, not a national baseline.

South Carolina

17
Colorado

1
Georgia

1
Hawaii

1
Missouri

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for SET Financial Corporation: 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: 21.

4 peers

Know your rights before responding to SET Financial Corporation: 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.