Bca Financial Services, INC. -- Consumer Complaint Report & Risk Analysis
Debt Collection and Reporting Issues
Complaint Summary
Bca Financial Services, INC. has received 26 consumer complaints filed with the CFPB across 2 products. The most common issues reported are incorrect information on your report, written notification about debt, attempts to collect debt not owed. Complaints span 6 states, with New Jersey and Florida leading in complaint volume.
Company Overview
Company: Bca Financial Services, INC.
Total CFPB Complaints: 26
AI Risk Score: 45/100
Most Recent Complaint: 2023-08-19T12:00:00-05:00
Risk Breakdown
- Complaint Volume: medium
- Response Quality: fair
- Issue Recurrence: medium
- Consumer Harm Severity: low
AI Company Analysis
BCA Financial Services, Inc. has 24 consumer complaints on file with the CFPB. Written notification about debt False statements or representation
Response Quality Assessment
fair
Top Consumer Issues
False statements or representation -- Severity: medium
Red Flags
- Attempts to collect debt not owed
Green Flags
- Good communication tactics
Consumer Tips & Advice
Be cautious of any debt collection that does not acknowledge the debt owed.
Complaint Trend Analysis
There is a trend of increasing complaints about false statements in debt collection.
Regulatory History
Regulatory history shows ongoing scrutiny of debt collection practices.
Industry Context
The industry context is that debt collection and credit reporting are regulated to protect consumers.
Frequently Asked Questions About Bca Financial Services, INC.
How many CFPB complaints does BCA Financial Services, Inc. have?
BCA Financial Services, Inc. has 24 complaints on file with the CFPB. The most recent complaint was filed on August 17, 2023.
What is BCA Financial Services, Inc.'s complaint response rate?
Response rate data is not yet available for BCA Financial Services, Inc..
Does BCA Financial Services, Inc. respond to complaints on time?
Timely response data is not yet available for BCA Financial Services, Inc..
Is BCA Financial Services, Inc. safe to do business with?
Debt Collection and Reporting Issues BCA Financial Services, Inc. has 24 CFPB complaints. Risk score: 45/100.
What red flags exist for BCA Financial Services, Inc.?
Potential red flags for BCA Financial Services, Inc.: Attempts to collect debt not owed. These are based on analysis of CFPB complaint patterns.
What are BCA Financial Services, Inc.'s strengths?
Positive indicators for BCA Financial Services, Inc.: Good communication tactics.
What tips should consumers know about BCA Financial Services, Inc.?
Be cautious of any debt collection that does not acknowledge the debt owed.
Are complaints against BCA Financial Services, Inc. increasing or decreasing?
There is a trend of increasing complaints about false statements in debt collection. BCA Financial Services, Inc. currently has 24 total complaints.
Has BCA Financial Services, Inc. faced regulatory action?
Regulatory history shows ongoing scrutiny of debt collection practices.
How does BCA Financial Services, Inc. compare to industry peers?
The industry context is that debt collection and credit reporting are regulated to protect consumers.
How common are false statements in debt collection?
False statements in debt collection are a significant issue, with 4 complaints out of 24 total, indicating a need for careful review of any debt collection notices.
Recent Complaints Against Bca Financial Services, INC.
| Complaint ID | Product | Issue | Date Received | Company Response | State |
|---|---|---|---|---|---|
| #12303522 | Debt collection | False statements or representation | 2025-03-03T12:00:00-05:00 | New Jersey | |
| #11475081 | Debt collection | Written notification about debt | 2025-01-10T12:00:00-05:00 | Florida | |
| #8261100 | Debt collection | Attempts to collect debt not owed | 2024-01-31T12:00:00-05:00 | New Jersey | |
| #7427936 | Debt collection | Attempts to collect debt not owed | 2023-08-19T12:00:00-05:00 | Florida | |
| #7419546 | Debt collection | Communication tactics | 2023-08-17T12:00:00-05:00 | New Jersey | |
| #7160854 | Debt collection | Attempts to collect debt not owed | 2023-06-23T12:00:00-05:00 | New Jersey | |
| #6932898 | Debt collection | Written notification about debt | 2023-05-04T12:00:00-05:00 | New Jersey | |
| #6766328 | Debt collection | Written notification about debt | 2023-03-28T12:00:00-05:00 | Georgia | |
| #6629913 | Credit reporting, credit repair services, or other personal consumer reports | Incorrect information on your report | 2023-02-28T12:00:00-05:00 | New Jersey | |
| #6589428 | Debt collection | Written notification about debt | 2023-02-18T12:00:00-05:00 | New Jersey | |
| #6330174 | Debt collection | Written notification about debt | 2022-12-16T12:00:00-05:00 | New Jersey | |
| #5922967 | Debt collection | Attempts to collect debt not owed | 2022-08-27T12:00:00-05:00 | New Jersey | |
| #5831482 | Debt collection | False statements or representation | 2022-08-01T12:00:00-05:00 | Virginia | |
| #5191104 | Debt collection | Attempts to collect debt not owed | 2022-02-06T12:00:00-05:00 | New Jersey | |
| #5114213 | Debt collection | False statements or representation | 2022-01-16T12:00:00-05:00 | Florida | |
| #5114197 | Debt collection | False statements or representation | 2022-01-16T12:00:00-05:00 | Florida | |
| #4655221 | Credit reporting, credit repair services, or other personal consumer reports | Incorrect information on your report | 2021-08-23T12:00:00-05:00 | Florida | |
| #4635582 | Credit reporting, credit repair services, or other personal consumer reports | Incorrect information on your report | 2021-08-16T12:00:00-05:00 | Florida | |
| #4576226 | Credit reporting, credit repair services, or other personal consumer reports | Incorrect information on your report | 2021-07-26T12:00:00-05:00 | Ohio | |
| #4575973 | Debt collection | Written notification about debt | 2021-07-26T12:00:00-05:00 | Georgia |
Bca Financial Services, INC. Complaints by State
- Bca Financial Services, INC. Complaints in New Jersey -- 12 complaints
- Bca Financial Services, INC. Complaints in Florida -- 9 complaints
- Bca Financial Services, INC. Complaints in Georgia -- 2 complaints
- Bca Financial Services, INC. Complaints in Virginia -- 1 complaints
- Bca Financial Services, INC. Complaints in Ohio -- 1 complaints
- Bca Financial Services, INC. Complaints in South Carolina -- 1 complaints
Bca Financial Services, INC. Complaints by Product
- Bca Financial Services, INC. Debt collection Complaints -- 19 complaints | All Debt collection Complaints
- Bca Financial Services, INC. Credit reporting, credit repair services, or other personal consumer reports Complaints -- 7 complaints | All Credit reporting, credit repair services, or other personal consumer reports Complaints
Bca Financial Services, INC. Complaints by Issue
- Bca Financial Services, INC. -- Incorrect information on your report -- 7 complaints | All Incorrect information on your report Complaints
- Bca Financial Services, INC. -- Written notification about debt -- 6 complaints | All Written notification about debt Complaints
- Bca Financial Services, INC. -- Attempts to collect debt not owed -- 6 complaints | All Attempts to collect debt not owed Complaints
- Bca Financial Services, INC. -- False statements or representation -- 4 complaints | All False statements or representation Complaints
- Bca Financial Services, INC. -- Took or threatened to take negative or legal action -- 2 complaints | All Took or threatened to take negative or legal action Complaints
- Bca Financial Services, INC. -- Communication tactics -- 1 complaints | All Communication tactics Complaints
Disclaimer
This analysis is based on CFPB complaint data and AI interpretation.
About This Report
This consumer complaint report for Bca Financial Services, INC. is generated by ReadTheComplaint using AI analysis of data from the CFPB.