Complaint 11622806 SMS Financial

Explained

Company: SMS Financial
Product: Debt collection · Auto debt
Issue: Took or threatened to take negative or legal action
Detail: Sued you in a state where you do not live or did not sign for the debt
From: Wisconsin 537XX
Filed by: Web
Company's answer: Closed with explanation
On time: Yes, within 15 days

Jan 19, 2025Complaint received
Jan 22, 2025Sent to SMS Financial (3 days later)
AnsweredClosed with explanation

Closed with explanation: the company replied and explained its position, but gave no money back and changed nothing. The consumer's own description is not published with this record.

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More SMS Financial complaints about took or threatened to take negative or legal action

Received	About	Issue	State	Answer	On time
Feb 7, 2026	Debt collection	Took or threatened to take negative or legal actionThreatened to sue you for very old debt	WA	Explained	Yes
Sep 24, 2025	Debt collection	Took or threatened to take negative or legal actionThreatened to sue you for very old debt	FL	Explained	Yes
Oct 5, 2022	Debt collection	Took or threatened to take negative or legal actionCollected or attempted to collect exempt funds	NJ	Explained	Yes
Aug 15, 2022	Debt collection	Took or threatened to take negative or legal actionThreatened to sue you for very old debt	FL	Explained	Yes

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Complaint records are public consumer complaints filed with U.S. regulators, checked 5 minutes ago (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