CFPB · Single-product concentration
H & S Financial, Inc.
8 CFPB complaints · 75% in "Debt collection" · top issue Attempts to collect debt not owed.
H & S Financial, Inc.: 75% of 8 CFPB complaints sit in "Debt collection". Timely 62.5% · relief 0%. Allegations, not findings.
- Single-product concentration
- +100% filings 2015 to 2025
CFPB relief outcome brief
CCDB company h-s-financial-inc
0% relief · 62.5% timely · 8 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
H & S Financial, Inc. closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
H & S Financial, Inc. complaint mix by product
- Debt collection 6 75.0% – 0% relief
- Credit reporting 1 12.5% – 0% relief
- Credit card 1 12.5% – 0% relief
How H & S Financial, Inc.'s 8 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 6 |
| Credit reporting or other personal consumer reports | 1 |
| Credit card or prepaid card | 1 |
Where H & S Financial, Inc. complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- GA
- 25% of this company's filings
H & S Financial, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2025
- 2
- +100% vs 2015
Top States
| State | Complaints |
|---|---|
| GA | 2 |
| OH | 2 |
| WV | 1 |
| VA | 1 |
| IN | 1 |
| CA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 1 |
| False statements or representation | 1 |
| Improper use of your report | 1 |
| Communication tactics | 1 |
| Taking/threatening an illegal action | 1 |
| Took or threatened to take negative or legal action | 1 |
| Getting a credit card | 1 |
| Written notification about debt | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2015 | 1 | 100% |
| 2016 | 1 | 100% |
| 2018 | 3 | 33.3% |
| 2024 | 1 | 0% |
| 2025 | 2 | 100% |
Source: CFPB Consumer Complaint Database
H & S Financial, Inc. filings cluster in one product
H & S Financial, Inc.'s 8 logged complaints stay concentrated: only 6 states show a filing. 50% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2015 through 2025-10-07.
H & S Financial, Inc. answers 62.5% of complaints inside the CFPB's tracked window and closes 100% with a written explanation. 0% 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 H & S Financial, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for H & S Financial, 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: 8.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 62.5%.
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 H & S Financial, Inc. (62.5% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration