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          Business Profile

          Collections Agencies

          Finance System of Richmond, Inc.
          BBB accredited business seal
          BBB Accredited BusinessA+Rated by BBB

          Complaints

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          Complaint Details

          Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.

          Showing all complaints

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          Complaint Status
          Complaint Type

          • Initial Complaint

            09/06/2024

            Complaint Type:
            Order Issues
            Status:
            Answered
            I am not liable for this debt with Financial Systems of Richmond. I DO NOT have a contract with Financial Systems of Richmond, they did provide me with the original contract as requested.

            Business response

            09/24/2024

            Thank you for alerting our agency, Finance System of Richmond, Inc., to this consumers complaint with our agency. We started calling this consumer on 7/22/2019, regarding a past due balance placed in our office for collection. We have had a total of eight contacts via telephone to this consumer. Our first contact was on 8/15/2019,the consumer asked us to mail a bill, we updated their address and mailed a statement.  Our next contact was on 8/20/2019, the consumer promised a payment plan no payment has ever been received.  Our last contact was 11/2/21, consumer stated would have to wait until the first of the year for payment.  We called the number again on 12/13/21 and were told we had a wrong number. The consumer has also been sent approximately 25 statements via US Mail.  The consumer is more than aware of this financial obligation. At no time did the consumer request a contract from us as stated in the complaint.  There is also no contractual relationship between the consumer and Finance System, Inc. We are a debt collector our contact is with our client **************************************************** 

          • Initial Complaint

            08/26/2024

            Complaint Type:
            Service or Repair Issues
            Status:
            Resolved
            Im not liable for this debt with Fin sys of Richmond. I do not have a contract with the collection agency. They did not provide me with the original contract as requested.

            Business response

            08/29/2024

            Thank you for making us aware of this.  We will be sending validation directly to the consumer.

            Customer response

            08/29/2024

            Better Business Bureau:

            I have reviewed the response made by the business in reference to complaint ID ********, and find that this response/resolution is satisfactory to me. 


            Regards,

            ***********************

          • Initial Complaint

            07/07/2024

            Complaint Type:
            Order Issues
            Status:
            Answered
            I not liable for this debt with INTELLIRAD IMAGING. I dont have contract with this FINANCE SYSTEM OF RICH, they did not provide me with the original contract as I requested.

            Business response

            07/19/2024

            We have 2 accounts in our office for collection for this consumer.  The first was placed on 03/01/2023 and the second on 06/21/2023.  To date we have had no contact with this consumer.  On 7/8/2024 we processed a credit report dispute from the consumer.  After completing our meaningful investigation, we concluded that the account in question is accurate and the balance is due.  We have updated the account as being disputed on the consumer's credit report.  There is no contract required between a debt collector and a consumer.  Our contract is with our client Intellirad Imaging. If the consumer can provide more information as to why the balance is not due, we can research that.

          • Initial Complaint

            05/26/2024

            Complaint Type:
            Order Issues
            Status:
            Answered
            I am not liable for this debt with *********** CREDIT , I do not have a contract with FINANCE SYSTEMS OF RICHMOND ; they did not provide me with the original contract as I requested.

            Business response

            06/27/2024

            I am not sure who Kornerstone Credit is, but that is not the client we represent.  We represent ******************* DBA RNR Tire.  I have copies of the contracts signed by the consumer as well as a payment ledger that I can send to the consumer showing the debt is owed.  To date we have had no contact with the consumer.

          • Initial Complaint

            04/02/2024

            Complaint Type:
            Order Issues
            Status:
            Answered
            I am not liable for this **** with charter communications, I do not have contract with FINANCE SYS, they did not provide me with the original contract as i requested.

            Business response

            04/02/2024

            This consumer has the wrong company.  ******* Communications is not one of our clients. Based on the consumer's  address this should probably be addressed with Finance System of *********, we are Finance System of Richmond.  There is no coprorate affiliation.

          • Initial Complaint

            01/04/2024

            Complaint Type:
            Service or Repair Issues
            Status:
            Answered
            Im not liable for this debt with finance system of Richmond. I do or have a contract with finance system of Richmond. They did not provide me the original contract as requested.

            Business response

            01/10/2024

            Thank you for bringing this consumers complaint to our attention.  We have responded directly to the consumer regarding their dispute of the balance.  All REQUIRED validation documents have been provided to the consumer.  (15 USC ***** Sec. 809 (b)) ******:
            Disputed debts:
            If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
            We received the account in our office on 3/1/2023 and the letter of dispute on 9/29/2023.  On 10/4/2023 we responded to the consumer's dispute by mail as prescribed by the ***** by providing the necessary documents for validaion. 

          • Initial Complaint

            12/04/2023

            Complaint Type:
            Order Issues
            Status:
            Answered
            I'm not liable for this debt with ******************************, I do not have a contact with FINANCE SYSTEM OF RICH, they did not provide me with the original contract as requested.

            Business response

            12/08/2023

            Thank you for bringing this complaint to our attention.  I have investigated this complaint and my findings are as follows.  The consumer has attempted to have this removed from her credit report numberous times, appromimately 15 times.  No valid information has been received for us to justify removal.  We received the account for collection on 06/28/2022, and the initial reporting to the credit bureaus was done on 6/16/2022.  On 9/21/23 we received a letter of dispute from the consumer. The dispute letter contained no valid reason as to why the debt would not be owed.  The consumer requested documents that are outside of the validation documents, however we provided all legally required documents to validate the debt to the consumer.  This dispute response was mailed on 10/4/2023 and included an itemized statement from the original creditor.  The account was also marked as disputed on the consumer's credit report, and still is.  As of 12/8/2023 this account is accurately reported on the consumer's credit report.

          • Initial Complaint

            10/02/2023

            Complaint Type:
            Billing Issues
            Status:
            Answered
            I am not liable for this debit with ****************** I do not have a contract with Finance System. trying to collect with this agency reporting on my credit report did not provide me with original contract.

            Business response

            10/16/2023

            Thank you for alerting **********, Finance System of Richmond, Inc., DBA ************* to this consumers dispute with **********. We have had zero communications with this consumer and have not  received any direct mail disputes.  The original creditor, ******************,  placed a collection account from a service date of 01/20/2021 with our office totaling $520.00.  A contract between the consumer and the debt collection agency is not required or a normal practice. If you would like to discuss this further please contact one of our representatives via telephone at ************. 

          • Initial Complaint

            08/16/2023

            Complaint Type:
            Order Issues
            Status:
            Answered
            Im not liable for this debt with Natco credit union. I dont have a contract with Financial system of Richmond.

            Business response

            08/29/2023

            Complaint number ******** is a dispute of information appearing on the complainant's credit bureau report. Finance System will investigate the dispute and respond directly to the complainant in compliance with the Fair Credit Reporting Act and the Fair and Accurate Credit Transactions Act. 

            Thank you

          • Initial Complaint

            08/05/2023

            Complaint Type:
            Billing Issues
            Status:
            Answered
            I keep receiving bills from this company. I called my insurance to see why they were not covering it. My insurance told me the bill was actually already covered and asked for the companys information so that can reach out on my behalf. I have also called the number provided on these bills and left voicemails. I have never received a call back.

            Business response

            09/07/2023

            Thank you for bringing this consumer's billing concern to our attention.  We received this account from our client in July 2023 and we have been attempting to contact the consumer since then.  The consumer left a voice mail and stated that there was insurance information that needed to be updated. To date, the consumer has not updated their insurance information with us.  The original insurance the consumer provided has been billed for these charges and has denied the claims stating there is another primary payer.  If the consumer would like to update the insurance  information, we can review to see if the claims can still be billed to their insurance.

          Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩

          BBB Rating & Accreditation

          BBB accredited businessA+

          Accredited Since: 6/17/2011

          Years in Business: 70

          Customer Reviews are not used in the calculation of BBB Rating

          Reasons for BBB Rating

          Contact Information

          5703 National Road East

          Richmond, IN 47374-2619

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          (765) 962-7507

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          Customer Complaints Summary

          19 total complaints in the last 3 years.

          5 complaints closed in the last 12 months.

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