Credit bureau · complaint record
Nicholas Financial complaints
Filed under Nicholas Financial Inc.
Consumers have filed 236 complaints about Nicholas Financial since 2013, none in the last 12 months. It answered 99.6% on time and closed 1% with relief for the customer. The most common problem is incorrect information on your report.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 236
- Last 12 months
- 0
- Answered on time
- 99.6%
- Closed with relief
- 1%
- Last 30 days
- 0
- Rank
- -
Since July 2013
new vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Jan 12, 2025
Nicholas Financial complaints by month
The busiest month was February 2018 (7 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Nicholas Financial answered all time
- Closed with monetary relief20.8%
- Closed with explanation22896.6%
- Closed62.5%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Nicholas Financial complaints are about
Top Nicholas Financial problems
Inside "Incorrect information on your report"
- Account information incorrect 28
- Account status incorrect 13
- Information belongs to someone else 9
- Old information reappears or never goes away 3
- Information is missing that should be on the report 1
Where Nicholas Financial complaints come from
Most complaints: Florida (64), Georgia (32), Ohio (29), North Carolina (16), Michigan (12).
Nicholas Financial compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Apple FinancingCredit reporting | 57 | 28 | C |
| 2 | Nav TechnologiesCredit reporting | 55 | 28 | C |
| 3 | Opportunity FundCredit reporting | 51 | 27 | C |
| 4 | Heritage Financial GroupCredit reporting | 0 | 27 | F |
| 5 | Informative ResearchCredit reporting | 60 | 26 | C |
| 6 | Pennsylvania Housing Finance AgencyCredit reporting | 56 | 25 | C |
| 7 | King of Credit FinancialCredit reporting | 10 | 25 | F |
| 8 | Nicholas FinancialCredit reporting | - | 0 | - |
Compare side by side: Nicholas Financial vs Apple Financing · Nicholas Financial vs Nav Technologies · Nicholas Financial vs Opportunity Fund · Nicholas Financial vs Heritage Financial Group
What people say about Nicholas Financial
All experiencesNo experiences with Nicholas Financial yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Nicholas Financial complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Jan 12, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Dec 13, 2024 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 27, 2024 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Nov 15, 2024 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Jun 30, 2024 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Jun 6, 2024 | Auto loans & leases | Managing the loan or leaseLoan sold or transferred to another company | Explained |
| Jun 5, 2024 | Auto loans & leases | Incorrect information on your reportAccount information incorrect | Explained |
| May 6, 2024 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Apr 13, 2024 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Mar 10, 2024 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Jan 24, 2024 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Jan 15, 2024 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
Questions about Nicholas Financial
How many complaints does Nicholas Financial have?
Nicholas Financial has 236 complaints on record since July 2013, including 0 in the last 12 months and 0 in the last 30 days.
Does Nicholas Financial respond to complaints?
Yes. Nicholas Financial answered 99.6% of its complaints on time (within 15 days) and closed 1% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with Nicholas Financial?
The most common problems are incorrect information on your report (54), improper use of your report (46), attempts to collect debt not owed (24).
Is Nicholas Financial legit?
Nicholas Financial is a real company with a public complaint record: consumers have complained about it 236 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Nicholas Financial legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Nicholas Financial?
Complain to Nicholas 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 Nicholas Financial complaints come from?
Most come from Florida (64), Georgia (32), Ohio (29). 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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