Complaints

This profile includes complaints for Finance System of Richmond, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

close

Find a Location

Finance System of Richmond, Inc. has 2 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  Finance System of Richmond, Inc.

  5703 National Road East Richmond, IN 47374-2619

  
• 

  Finance System of Richmond, Inc.

  P O Box 786 Richmond, IN 47375-0786

  

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

• Initial Complaint

  Date:03/04/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Subject: Request for Proof of Debt Dear *********** am writing in response to your recent communication regarding the alleged debt in my name. As per the Fair Debt Collection Practices Act (FDCPA), I am entitled to request verification of any debt you claim I owe.Please provide the following:1.Proof of the debt: A copy of the original signed agreement or contract that demonstrates I am legally obligated to pay the amount claimed.2.Breakdown of the debt: An itemized statement detailing the original amount, interest, and any fees or charges that have been added.I request that you provide this documentation within 30 days from the date of this letter. If you are unable to produce valid proof of the debt, I kindly ask that you remove any and all references to this alleged debt from my credit report and cease any further collection activities.Please be aware that if you fail to respond with adequate proof, I will consider this matter resolved and will take further steps to protect my rights under the FDCPA.Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation.Sincerely,******** *****

  Business Response

  Date: 03/20/2025

  We have requested the documents from the original creditor and will responde directly to the consumer once they are received.

  Customer Answer

  Date: 03/20/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 
  
  This company did not address my concerns. They continue to call me and harass me regarding an account that I never had a contractual agreement signed with them. I am asking for a deletion of any accounts including my likeness regarding the account they continue to mark as owed with them.
  
  Regards,
  
  ******** *****
  

  Business Response

  Date: 03/20/2025

  The consuner specifically asked for 2 things 1. Proof of the debt.  In order to provide that we must have the documents from the original creditor which have been requested. 2. a breakdown of the debt to include an itemized statement.  We provided the consumer an itemized breakdown of the charges in June of 2024 when the validation notice was sent to the consumer.   A more detailed itemization will come with the documents from the original creditor, which will be sent to the consumer once we receive them.  I have placed this account in a dispute status untill the documents are received, this will stop contact attemps and report to the credit bureaus that the consumer disputes these charges.

• Initial Complaint

  Date:09/06/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  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

  Date: 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

  Date:08/26/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  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

  Date: 08/29/2024

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

  Customer Answer

  Date: 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

  Date:07/07/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  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

  Date: 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

  Date:05/26/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  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

  Date: 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

  Date:04/02/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  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

  Date: 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

  Date:01/04/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  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

  Date: 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

  Date:12/04/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  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

  Date: 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

  Date:10/02/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  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

  Date: 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

  Date:08/16/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Im not liable for this debt with Natco credit union. I dont have a contract with Financial system of Richmond.

  Business Response

  Date: 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