Credit bureau · complaint record
Proficio Financial Services complaints
Filed under PROFICIO FINANCIAL SERVICES, LLC
Consumers have filed 28 complaints about Proficio Financial Services since 2014, 2 of them in the last 12 months. It answered 100% on time and closed 0% 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
- 28
- Last 12 months
- 2
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #342 of 566
Since August 2014
new vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Aug 4, 2026
Most complained-about credit bureaus & report companies
Proficio Financial Services complaints by month
The busiest month was October 2022 (4 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Proficio Financial Services answered all time
- Closed with explanation2692.9%
- Closed27.1%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Proficio Financial Services complaints are about
Top Proficio Financial Services problems
Inside "Attempts to collect debt not owed"
- Debt is not yours 4
- Debt was paid 1
Where Proficio Financial Services complaints come from
Most complaints: Washington (19), Utah (2), Illinois (2), New York (2), Ohio (1).
Proficio Financial Services 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 | Proficio Financial ServicesCredit reporting | - | 2 | - |
Compare side by side: Proficio Financial Services vs Apple Financing · Proficio Financial Services vs Nav Technologies · Proficio Financial Services vs Opportunity Fund · Proficio Financial Services vs Heritage Financial Group
What people say about Proficio Financial Services
All experiencesNo experiences with Proficio Financial Services yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Proficio Financial Services complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Aug 4, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Dec 15, 2025 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Jan 25, 2025 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Jan 3, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 2, 2024 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Feb 22, 2023 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Feb 21, 2023 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 4, 2022 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Nov 2, 2022 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 31, 2022 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 26, 2022 | Debt collection | False statements or representationIndicated you were committing crime by not paying debt | Explained |
| Oct 8, 2022 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
Questions about Proficio Financial Services
How many complaints does Proficio Financial Services have?
Proficio Financial Services has 28 complaints on record since August 2014, including 2 in the last 12 months and 0 in the last 30 days. That makes it number 2,550 of every company by complaints this year.
Does Proficio Financial Services respond to complaints?
Yes. Proficio Financial Services answered 100% 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.
What do people complain about most with Proficio Financial Services?
The most common problems are incorrect information on your report (3), attempts to collect debt not owed (5), false statements or representation (4).
Is Proficio Financial Services legit?
Proficio Financial Services is a real company with a public complaint record: consumers have complained about it 28 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Proficio Financial Services legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Proficio Financial Services?
Complain to Proficio Financial Services 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 Proficio Financial Services complaints come from?
Most come from Washington (19), Utah (2), Illinois (2). 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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