Debt collector · complaint record
SET Financial complaints
Filed under SET Financial Corporation
Consumers have filed 51 complaints about SET Financial since 2014, 13 of them in the last 12 months (+30% on the year before). It answered 100% on time and closed 0% with relief for the customer. The most common problem is attempts to collect debt not owed.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 51
- Last 12 months
- 13
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #652 of 1,963
Since January 2014
+30% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Jul 31, 2026
Most complained-about debt collectors
SET Financial complaints by month
The busiest month was April 2015 (3 complaints). Complaints in the last 12 months are up 30% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How SET Financial answered all time
- Closed with non-monetary relief47.8%
- Closed with explanation4384.3%
- Closed47.8%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What SET Financial complaints are about
Top SET Financial problems
Inside "Attempts to collect debt not owed"
- Debt is not yours 13
- Debt was result of identity theft 3
- Debt was paid 1
Where SET Financial complaints come from
Most complaints: South Carolina (35), Missouri (6), Rhode Island (1), North Carolina (1), Tennessee (1).
SET 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 | SET FinancialDebt collection | - | 13 | - |
Compare side by side: SET Financial vs Green Square · SET Financial vs EMoneyUSA · SET Financial vs Mullooly Jeffrey Rooney & Flynn · SET Financial vs Credit World Services
What people say about SET Financial
All experiencesNo experiences with SET Financial yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest SET Financial complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Jul 31, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Jul 16, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 10, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 9, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 5, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 19, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 5, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 2, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 13, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 4, 2026 | Payday & personal loans | Incorrect information on your reportInformation belongs to someone else | Explained |
| Jan 13, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jan 12, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
Questions about SET Financial
How many complaints does SET Financial have?
SET Financial has 51 complaints on record since January 2014, including 13 in the last 12 months and 0 in the last 30 days. That makes it number 1,303 of every company by complaints this year.
Does SET Financial respond to complaints?
Yes. SET Financial 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 SET Financial?
The most common problems are attempts to collect debt not owed (17), incorrect information on your report (8), written notification about debt (2).
Is SET Financial legit?
SET Financial is a real company with a public complaint record: consumers have complained about it 51 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is SET Financial legit? for the signals, red flags and how to protect yourself.
Are complaints about SET Financial going up or down?
Up. There were 13 complaints in the last 12 months against 10 in the 12 before (+30%). See every month.
How do I file a complaint against SET Financial?
Complain to SET 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 SET Financial complaints come from?
Most come from South Carolina (35), Missouri (6), Rhode Island (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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