Complaint 6050990 SMS Financial

Explained

Company: SMS Financial
Product: Debt collection · Other debt
Issue: Took or threatened to take negative or legal action
Detail: Collected or attempted to collect exempt funds
From: New Jersey 07470
Filed by: Web
Company's answer: Closed with explanation
On time: Yes, within 15 days
Public statement: Company believes it acted appropriately as authorized by contract or law

Oct 5, 2022Complaint received
Oct 21, 2022Sent to SMS Financial (16 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
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	WI	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 1 minute 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