Debt collector · complaint record
SMS Financial complaints
Filed under SMS Financial, LLC
Consumers have filed 10 complaints about SMS Financial since 2021, 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 took or threatened to take negative or legal action.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 10
- Last 12 months
- 2
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #1,275 of 1,963
Since October 2021
new vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Feb 7, 2026
Most complained-about debt collectors
SMS Financial complaints by month
The busiest month was September 2025 (2 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How SMS Financial answered all time
- Closed with explanation10100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
Top SMS Financial problems
Inside "Took or threatened to take negative or legal action"
- Threatened to sue you for very old debt 3
- Collected or attempted to collect exempt funds 1
- Sued you in a state where you do not live or did not sign for the debt 1
Where SMS Financial complaints come from
Most complaints: Florida (3), Washington (2), North Carolina (2), New Jersey (1), Oklahoma (1).
SMS 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 | SMS FinancialDebt collection | - | 2 | - |
Compare side by side: SMS Financial vs Green Square · SMS Financial vs EMoneyUSA · SMS Financial vs Mullooly Jeffrey Rooney & Flynn · SMS Financial vs Credit World Services
What people say about SMS Financial
All experiencesNo experiences with SMS Financial yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest SMS Financial complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Feb 7, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Feb 7, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 24, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Sep 9, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jan 19, 2025 | Debt collection | Took or threatened to take negative or legal actionSued you in a state where you do not live or did not sign for the debt | Explained |
| Nov 2, 2023 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 9, 2022 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 5, 2022 | Debt collection | Took or threatened to take negative or legal actionCollected or attempted to collect exempt funds | Explained |
| Aug 15, 2022 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Oct 29, 2021 | Debt collection | Threatened to contact someone or share information improperlyContacted your employer | Explained |
Questions about SMS Financial
How many complaints does SMS Financial have?
SMS Financial has 10 complaints on record since October 2021, 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 SMS Financial respond to complaints?
Yes. SMS 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 SMS Financial?
The most common problems are took or threatened to take negative or legal action (5), false statements or representation (4), threatened to contact someone or share information improperly (1).
Is SMS Financial legit?
SMS Financial is a real company with a public complaint record: consumers have complained about it 10 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is SMS Financial legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against SMS Financial?
Complain to SMS 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 SMS Financial complaints come from?
Most come from Florida (3), Washington (2), North Carolina (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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