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CSO Financial, Inc.
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BBB Accredited BusinessA Rated by BBB

Complaints

This profile includes complaints for CSO Financial, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see

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    Customer Complaints Summary

    • 18 total complaints in the last 3 years.
    • 9 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:05/27/2025

      Type:Product Issues
      Status:
      Answered
      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.
      Violation ORCP7. This company alleges "a **** *** was served 04/17/2015" regarding an xray bill. I have no knowledge of any person named "**** ***". I was never served on my behalf. No one at my residence, nor anyone authorized by me, received any legal documents. The person who allegedly served, is now deceased. They is no proof I was ever served and have already garnished me. They could have garnished me when the original judgement was granted in 2015, they waited and renewed the judgement March 2025 and took much more than required for the original debt I never received any bills from this company prior to this. No certified mail, absolutely nothing. I was completely unaware of this until I received a garnishment notice in the mail and it has now been over 10 years since the original judgement.

      Business Response

      Date: 05/29/2025

      *** filed suit on 3/27/15. The process server, Direct Process Servers, provided an affidavit of service indicating that sub-service to a female over the age of 14 and residing at the same address as Mr. ***** was served. We have a copy of the proof of service filed with the Court. Judgment was granted by Douglas County Circuit Court on 5/14/15 and on 3/18/25 judgment was renewed by the Court for another ten years. *** has attempted multiple garnishments since 2015. *** attended a claim of exemption hearing on 5/27/25 and claim of exemption was denied by the Court.

    • Initial Complaint

      Date:05/26/2025

      Type:Service or Repair Issues
      Status:
      Answered
      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 CSO financial **** I do not have a contract with CSO financial *** who is reporting multiple alleged accounts on my ********************** report. they did not provide me with an original contract as i requested.

      Business Response

      Date: 05/29/2025

      *** is a 3rd party debt collector collection on behalf of Northwest Community Credit Union. We have not received a request prior to this complaint for proof of the debt. Proof is now sent to Ms. *******

    • Initial Complaint

      Date:04/16/2025

      Type:Customer Service Issues
      Status:
      Answered
      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 cso financial **** I do not have a contract with cso financial **** they did not provide me with the original contract as I requested.

      Business Response

      Date: 04/17/2025

      CSO Financial, Inc. is a third party debt collector, collecting a debt that *** ****** referred to us for collection purposes. Ms ***** has not contacted *** to discuss the debt or to request proof of the debt. We are mailing her proof of the debt today.

      Customer Answer

      Date: 04/18/2025

       
      Complaint: 23215745

      I am rejecting this response because: According to ******* v Transunion 1997, Experian is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws: 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i(5), 15 USC 1681e(b). Delete ACCOUNTS 

      Sincerely,

      Lavascia Amiri

    • Initial Complaint

      Date:04/09/2025

      Type:Order Issues
      Status:
      Answered
      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 *** ****** TIRE CENTER, I do not have a contract with CSO FINANCIAL **** they did not provide me with the original contract as I requested.

      Business Response

      Date: 04/17/2025

      *** is a third party debt collector and attempting to collect the debt on behalf of our client, *** ****** ************ *** ******, obtained a contract signed by Ms. ******** *** has attempted collection via letters and phone calls. We have not received a request from Ms. ******* for a copy of the contract or proof of debt. CSO is credit reporting this account as an unpaid collection account for *** ****** ************ *** sent him proof of the debt on 4/15/25.

    • Initial Complaint

      Date:02/27/2025

      Type:Order Issues
      Status:
      Answered
      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 *********************. I do not have a contract with CSO Financial **** they havent provided the original contract as requested.

      Business Response

      Date: 03/04/2025

      ******************** assigned the debt to *** for collection purposes. They provided a signed agreement and itemized statement detailing the debt. *** has only received an indirect dispute from the credit bureaus requesting the debt be verified and have responded directly to the bureaus. We have not received a direct dispute from Mr. ******* We have cancelled this account from ********************** reporting and are sending him proof of the debt. 

    • Initial Complaint

      Date:02/23/2025

      Type:Customer Service Issues
      Status:
      Answered
      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 received a notice of collection in the mail today for an ambulance bill from the City of *********. However, I was never billed for these services directly and my health insurance was not billed either.

      Business Response

      Date: 03/04/2025

      We checked with our client, City of Corvallis Ambulance. They billed insurance and received payment. After payment and insurance adjustments there remained an amount due that is the patient's responsibility. They maied la statement to Mr. ******** This statement was not mail returned.

      Customer Answer

      Date: 03/04/2025

       
      Complaint: 22978651

      I am rejecting this response because:
      I would like an itemized statement and/or proof of this debt beyond the generic statement that was sent. I would also like (dated) copies of the statements that were mailed to me from the City of Corvallis. 

      Sincerely,

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

    • Initial Complaint

      Date:12/02/2024

      Type:Customer Service Issues
      Status:
      Answered
      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 CSO Financial **** I do no have a contract with CSO Financial **** they did not provide me with the original contract as I requested.

      Business Response

      Date: 12/04/2024

      There are three accounts assigned to *** by various clients that are included in the judgment debt. *** sent letters and attempted phone calls prior to suit. Suit was filed in Lane County Circuit court and Mr. ******** was personally served by a process server on 4/22/23. Judgment was granted by Lane County Circuit Court on 6/2/23. Mr. ******** has not contacted *** to request verification of these debts.

    • Initial Complaint

      Date:07/31/2024

      Type:Order Issues
      Status:
      Answered
      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 KANGA PEST CONTROL. I do not have a contract with CSO FINANCIAL **** They did not provide me with the original contract as I requested.

      Business Response

      Date: 08/01/2024

      Note: this is a duplicate of BBB Complaint ******** received 7/30/24. CSO sent ***************** a validation letter on 4/17/23. A subsequent letter was sent on 6/6/23. We did not received mail returned letters. *** also spoke to her on 6/21/23 she did not dispute the debt then. Small Claim judgment was filed ON 7/17/23 AND ****************** was personally served on 11/10/23. Judgment case 23SC22380 was granted on 12/4/23. *** spoke to her on 7/12/24 and sent her copy of the judgment and proof of service. CSO also took action to flag the account on her ********************** report as disputed. 

    • Initial Complaint

      Date:07/30/2024

      Type:Order Issues
      Status:
      Answered
      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 KANGA PEST CONTROL. I do not have a contract with CSO FINANCIAL **** They did not provide me with the original contract as I requested.

      Business Response

      Date: 08/01/2024

      CSO sent ***************** a validation letter on 4/17/23. A subsequent letter was sent on 6/6/23. We did not received mail returned letters. *** also spoke to her on 6/21/23 she did not dispute the debt then. Small Claim judgment was filed ON 7/17/23 AND ****************** was personally served on 11/10/23. Judgment case 23SC22380 was granted on 12/4/23. *** spoke to her on 7/12/24 and sent her copy of the judgment and proof of service. CSO also took action to flag the account on her ********************** report as disputed.

    • Initial Complaint

      Date:06/07/2024

      Type:Order Issues
      Status:
      Answered
      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 **** *****/****** CO , I do not have a contract with CSO Financial *** , they did not provide me with original contract as I requested

      Business Response

      Date: 06/11/2024

      I have requested to have the credit reporting on this file canceled until we further investigate the situation.

    CSO Financial, Inc. is BBB Accredited.

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