Debt collection
SMS Financial debt collection complaints
Consumers have filed 10 complaints about SMS Financial's debt collection, 2 in the last 12 months. SMS Financial answered 100% on time and closed 0% with relief. See the whole SMS Financial record.
SMS Financial against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | SMS Financial | 2 | 100% | 0% |
Latest SMS Financial debt collection complaints
| 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 |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
General information, not legal advice; rules vary by state. Plain-English guides
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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