Debt collection
Bull City Financial Solutions: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 92
- Closed with money back
- 0
- 2023 to 2025
- 21 to 50
Bull City Financial Solutions received 1,294 complaints from everyone in the window; 92 carried the servicemember tag. The complaints are mostly about debt collection, and the single most common issue is "Attempts to collect debt not owed". 0 of the 92 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. The yearly count rose from 21 in 2023 to 50 in 2025.
What the complaints are about
By product
| Debt collection | 72 |
| Credit reporting or other personal consumer reports | 16 |
| Credit reporting, credit repair services, or other personal consumer reports | 4 |
By issue
| Attempts to collect debt not owed | 39 |
| Written notification about debt | 13 |
| False statements or representation | 10 |
| Incorrect information on your report | 8 |
| Problem with a company's investigation into an existing problem | 8 |
| 2023: 21 | 2024: 21 | 2025: 50 |
Which accounts, specifically
| Other debt | 40 |
| Credit reporting | 20 |
| Medical debt | 16 |
| I do not know | 16 |
| Telecommunications debt | 2 |
What went wrong, specifically
| Debt is not yours | 29 |
| Attempted to collect wrong amount | 10 |
| Didn't receive enough information to verify debt | 9 |
| Threatened or suggested your credit would be damaged | 8 |
| Debt was paid | 8 |
Busiest month: August 2025, with 8 servicemember complaints. Most were submitted by web.
Most complaints came from NC (32), FL (23), SC (10) , then CA, GA, OH.
How Bull City Financial Solutions answered
| Closed with explanation | 92 |
Bull City Financial Solutions responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Debt collection; Written notification about debt. NC, 2024-08-13. Outcome: Closed with explanation. Complaint 9783687
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Debt collection; Attempts to collect debt not owed. OH, 2024-07-16. Outcome: Closed with explanation. Complaint 9521448
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Debt collection; Written notification about debt. NC, 2024-05-27. Outcome: Closed with explanation. Complaint 9104081
If this is your problem at Bull City Financial Solutions
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with debt collection peers
- Debt Recovery Solutions 91 servicemember complaints; 0 with money back
- Halsted Financial Services 94 servicemember complaints; 0 with money back
- Consumer Adjustment 95 servicemember complaints; 0 with money back
- Mrs Bpo 95 servicemember complaints; 0 with money back
- Diversified Adjustment Service 88 servicemember complaints; 0 with money back
Next in the directory by volume: Vw Credit.
Frequently asked questions
How many complaints did servicemembers file against Bull City Financial Solutions?
92 complaints tagged servicemember were received by the CFPB about Bull City Financial Solutions, Inc between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 21 in 2023 to 50 in 2025.
What do servicemembers complain about most at Bull City Financial Solutions?
Debt collection accounts for 72 of the 92 complaints, and the most common issue is "Attempts to collect debt not owed" (39). Next: "Written notification about debt" (13).
Does Bull City Financial Solutions give money back when a servicemember complains?
0 of the 92 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. 0 closed with non-monetary relief and 92 closed with an explanation only. Bull City Financial Solutions answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.