Debt collector · complaint record
H & S Financial complaints
Filed under H & S Financial, Inc.
Consumers have filed 8 complaints about H & S Financial since 2015, none in the last 12 months. It answered 62.5% on time and closed 0% with relief for the customer. The most common problem is improper use of your report.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 8
- Last 12 months
- 0
- Answered on time
- 62.5%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- -
Since March 2015
new vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Oct 7, 2025
H & S Financial complaints by month
The busiest month was March 2018 (2 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How H & S Financial answered all time
- Closed with explanation8100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What H & S Financial complaints are about
Top H & S Financial problems
Inside "Improper use of your report"
- Reporting company used your report improperly 1
Where H & S Financial complaints come from
Most complaints: Georgia (2), Ohio (2), Virginia (1), West Virginia (1), Indiana (1).
H & S Financial compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Green SquareDebt collection | 10 | 25 | F |
| 2 | EMoneyUSADebt collection | 53 | 25 | C |
| 3 | Mullooly Jeffrey Rooney & FlynnDebt collection | 56 | 25 | C |
| 4 | Credit World ServicesDebt collection | 47 | 25 | D |
| 5 | Keynote ConsultingDebt collection | 10 | 25 | F |
| 6 | Augusta Collection AgencyDebt collection | 10 | 25 | F |
| 7 | Advance Bureau of CollectionsDebt collection | 19 | 25 | F |
| 8 | H & S FinancialDebt collection | - | 0 | - |
Compare side by side: H & S Financial vs Green Square · H & S Financial vs EMoneyUSA · H & S Financial vs Mullooly Jeffrey Rooney & Flynn · H & S Financial vs Credit World Services
What people say about H & S Financial
All experiencesNo experiences with H & S Financial yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest H & S Financial complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 7, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Aug 14, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| May 23, 2024 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Mar 23, 2018 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Mar 18, 2018 | Credit cards | Getting a credit cardCard opened as result of identity theft or fraud | Explained |
| Feb 7, 2018 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Aug 12, 2016 | Debt collection | Taking/threatening an illegal actionSued w/o proper notification of suit | Explained |
| Mar 15, 2015 | Debt collection | Communication tacticsCalled outside of 8am-9pm | Explained |
Questions about H & S Financial
How many complaints does H & S Financial have?
H & S Financial has 8 complaints on record since March 2015, including 0 in the last 12 months and 0 in the last 30 days.
Does H & S Financial respond to complaints?
Yes. H & S Financial answered 62.5% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with H & S Financial?
The most common problems are improper use of your report (1), false statements or representation (1), attempts to collect debt not owed (1).
Is H & S Financial legit?
H & S Financial is a real company with a public complaint record: consumers have complained about it 8 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is H & S Financial legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against H & S Financial?
Complain to H & S Financial 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 H & S Financial complaints come from?
Most come from Georgia (2), Ohio (2), Virginia (1). 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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