Debt collector · complaint record
Finance System of Richmond complaints
Filed under Finance System of Richmond, Inc.
Consumers have filed 171 complaints about Finance System of Richmond since 2014, 49 of them in the last 12 months (+81% on the year before). It answered 91.8% on time and closed 0% with relief for the customer - less often than a typical debt collector. The most common problem is attempts to collect debt not owed.
Poor response record. How it works
- Complaints on record
- 171
- Last 12 months
- 49
- Answered on time
- 91.8%
- Closed with relief
- 0%
- Last 30 days
- 1
- Rank
- #323 of 1,963
Since June 2014
+81% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Oct 20, 2026
Most complained-about debt collectors
Finance System of Richmond complaints by month
The busiest month was March 2026 (9 complaints). Complaints in the last 12 months are up 81% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Finance System of Richmond answered last 12 months
- Closed with explanation4898%
- In progress12%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time8/4591.8% on time
- Relief for customers0/400% closed with relief
- Complaint trend2/15+81% vs last year
What Finance System of Richmond complaints are about
Top Finance System of Richmond problems
Inside "Attempts to collect debt not owed"
- Debt is not yours 35
- Debt was result of identity theft 12
- Debt was paid 7
Where Finance System of Richmond complaints come from
Most complaints: Florida (46), Texas (24), Indiana (16), Ohio (12), Pennsylvania (10).
Finance System of Richmond compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Retail Merchants AssociatesDebt collection | 46 | 50 | D |
| 2 | Velo Law OfficeDebt collection | 37 | 50 | D |
| 3 | Time InvestmentDebt collection | 45 | 50 | D |
| 4 | Torres Credit ServicesDebt collection | 60 | 50 | C |
| 5 | National Recovery SolutionsDebt collection | 47 | 49 | D |
| 6 | Credit ServiceDebt collection | 7 | 49 | F |
| 7 | Finance System of RichmondDebt collection | 10 | 49 | F |
| 8 | Investment RetrieversDebt collection | 44 | 48 | D |
Compare side by side: Finance System of Richmond vs Retail Merchants Associates · Finance System of Richmond vs Velo Law Office · Finance System of Richmond vs Time Investment · Finance System of Richmond vs Torres Credit Services
What people say about Finance System of Richmond
All experiencesNo experiences with Finance System of Richmond yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Finance System of Richmond complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 20, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 16, 2026 | Debt collection | Written notification about debtNotification didn't disclose it was an attempt to collect a debt | In progress |
| Oct 7, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Sep 27, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Sep 25, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Sep 24, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 17, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Aug 28, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 27, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Aug 20, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Aug 19, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Jul 30, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
Questions about Finance System of Richmond
How many complaints does Finance System of Richmond have?
Finance System of Richmond has 171 complaints on record since June 2014, including 49 in the last 12 months and 1 in the last 30 days. That makes it number 680 of every company by complaints this year.
Does Finance System of Richmond respond to complaints?
Yes. Finance System of Richmond answered 91.8% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 10/100 (grade F).
What do people complain about most with Finance System of Richmond?
The most common problems are attempts to collect debt not owed (54), written notification about debt (33), took or threatened to take negative or legal action (14).
Is Finance System of Richmond legit?
Finance System of Richmond is a real company with a public complaint record: consumers have complained about it 171 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Finance System of Richmond legit? for the signals, red flags and how to protect yourself.
Are complaints about Finance System of Richmond going up or down?
Up. There were 49 complaints in the last 12 months against 27 in the 12 before (+81%). See every month.
How do I file a complaint against Finance System of Richmond?
Complain to Finance System of Richmond in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Finance System of Richmond complaints come from?
Most come from Florida (46), Texas (24), Indiana (16). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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