CFPB · Single-product concentration
BCA Financial Services, Inc.
182 CFPB complaints · 89.6% in "Debt collection" · top issue Attempts to collect debt not owed.
BCA Financial Services, Inc.: 89.6% of 182 CFPB complaints sit in "Debt collection". Timely 98.4% · relief 0.5%. Allegations, not findings.
- Single-product concentration
- +33.3% filings 2013 to 2026
CFPB relief outcome brief
CCDB company bca-financial-services-inc
0.5% relief · 98.4% timely · 182 filings · Debt collection
Same-product relief peers
Nearest relief peer: Enova International, Inc. (0.5% relief)
BCA Financial Services, Inc. closes 0.5% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
How 182 complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
BCA Financial Services, Inc. complaint mix by product
- Debt collection 163 89.6% – 1% relief
- Credit reporting, 17 9.3% – 0% relief
- Credit reporting 1 0.5% – 0% relief
- Credit reporting 1 0.5% – 0% relief
How BCA Financial Services, Inc.'s 182 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 163 |
| Credit reporting, credit repair services, or other personal consumer reports | 17 |
| Credit reporting or other personal consumer reports | 1 |
| Credit reporting | 1 |
Concentrated filing states for BCA Financial Services, Inc.
Top states by attributed CFPB complaint volume for this company
- Leading state
- FL
- 50.5% of this company's filings
BCA Financial Services, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 4
- +33.3% vs 2013
Top States
| State | Complaints |
|---|---|
| FL | 92 |
| NJ | 59 |
| GA | 10 |
| SC | 8 |
| NY | 3 |
| WA | 1 |
| CA | 1 |
| MN | 1 |
| TX | 1 |
| NV | 1 |
| WI | 1 |
| PA | 1 |
| OH | 1 |
| VA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 50 |
| Written notification about debt | 33 |
| Cont'd attempts collect debt not owed | 26 |
| Communication tactics | 17 |
| Incorrect information on your report | 15 |
| False statements or representation | 15 |
| Took or threatened to take negative or legal action | 9 |
| Disclosure verification of debt | 9 |
| Improper contact or sharing of info | 4 |
| Improper use of your report | 2 |
| Incorrect information on credit report | 1 |
| Problem with a credit reporting company's investigation into an existing problem | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 3 | 100% |
| 2014 | 8 | 100% |
| 2015 | 17 | 94.1% |
| 2016 | 12 | 91.7% |
| 2017 | 15 | 93.3% |
| 2018 | 20 | 100% |
| 2019 | 12 | 100% |
| 2020 | 11 | 100% |
| 2021 | 17 | 100% |
| 2022 | 12 | 100% |
| 2023 | 18 | 100% |
| 2024 | 12 | 100% |
| 2025 | 21 | 100% |
| 2026 | 4 | 100% |
Source: CFPB Consumer Complaint Database
BCA Financial Services, Inc. filings cluster in one product
BCA Financial Services, Inc.'s 182 logged complaints stay concentrated: only 14 states show a filing. Only 36.8% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2013 through 2026-05-26.
BCA Financial Services, Inc. answers 98.4% of complaints inside the CFPB's tracked window and closes 99.5% with a written explanation. 0.5% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Attempts to collect debt not owed."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about BCA Financial Services, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for BCA Financial Services, Inc.: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 182.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 98.4%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for BCA Financial Services, Inc. (98.4% timely; 0.5% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration