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Business Profile

Collections Agencies

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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CSO Financial, Inc. has 5 locations, listed below.

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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:06/03/2024

      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.
      what the business committed to provide you

      Business Response

      Date: 06/11/2024

      We have requested to have the account flagged as disputed with the Credit Bureaus.  We also are sending out validation of debt to ******** as well.

    • Initial Complaint

      Date:03/23/2024

      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 CSO FINANCIAL **** i do not have a contract with CSO FINANCIAL **** they did not provide me with the orginal contract as i requested

      Business Response

      Date: 04/08/2024

      CSO Financial, Inc. obtained a judgement against **************** on 12-26-2021 through the Coos County Courts: 21SC10178.  Upon **************** being served he requested mediation which both parties did attend.  He signed an agreement to repay CSO Financial, Inc. however in event of default we would ask courts for the prevailing fee.  **************** defaulted on his signed agreement to pay.  To date this judgment still has an outstanding balance due.

    • Initial Complaint

      Date:01/29/2024

      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 have disability, unfortunately I have chronic anxiety, epilepsy, cluster migraines, PTSD. This company has been calling me and harassing me to make payments about a credit card that they said I own them. I get confused that I thought I was already paying. Im on social security disability because of my health issues, little by little I have made some payments with different company. This company I thought I was going to be able to pay $40 but unfortunately I couldnt and the person that answer the phone said that he would have never accepted that type of payment. The previous representative should have never accepted that, I told him that I was trying by best to pay but right now Im is hard for us. He said that was not a good payment and he would not make any other payment arrangements because any lower payment arrangement would not be good. Companies like this should not discriminate people with disability and they are able to take lower payment. The previous representative was able to arrange it.

      Business Response

      Date: 02/12/2024

      CSO Financial received an account from a retail company but was unable to resolve it voluntarily. A judgment was obtained through the Multnomah court in an attempt to collect the owed amount. Over several years, multiple payment plans were arranged, all of which were defaulted on, despite also offering settlement arrangements.

      It's worth noting that we have no credit card accounts for this consumer. She mentioned making payments to a company named *******, which suggests she may have been discussing a separate debt with another entity.

      Regarding the payment plans, there's a question of ethics when accepting a plan that doesn't cover the interest charged, as it means the account may never be fully paid off.

      During our interactions, the consumer mentioned the possibility of her mother assisting with the account. 

      Despite numerous conversations, there has been no indication of dispute or a cease-and-desist order on communications. All inquiries from the consumer have been addressed, and we apologize for any stress caused by her situation.

    • Initial Complaint

      Date:01/11/2024

      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 **********************. I do not have a contract with CSO Financial **** they did not provide me with the original contract as requested

      Business Response

      Date: 01/18/2024

      We have reviewed the account that **************** has referenced here and have verified this to be an accurate debt.  We have validation of debt that we will send him in the mail.  Also, our client provided his SSN & DOB.

      Customer Answer

      Date: 01/19/2024

       
      Complaint: 21128271

      I am rejecting this response because: I do not have a contract with CSO Financial.

      Sincerely,

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

    • Initial Complaint

      Date:10/20/2023

      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 denture master implant center. I do not have a contract with CSO financial. They did not provide me with an original contract.

      Business Response

      Date: 10/30/2023

      We have reviewed this filed turned to our office for collections and have confirmed that the ** provided here by **************** is the same ** that was provided to us by our client.  We also have a copy of signed services and we have reached out to our client to verify that the balance is correct and owing.

    • Initial Complaint

      Date:08/17/2023

      Type:Billing 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.
      ********* a debt collector called to make a payment arrangement. after i told her when i could pay she continued to be aggressive and i felt bullied and threatened to pay sooner. when i told her the tone and demeaner of her voice was upsetting me she gaslight me and said i was the problem. i felt i was treated so rudely after i hung up i sobbed. i understand i owe a debt but im still a person and i have done nothing to be treated in such an abusive manner. im filing same complaint with better business burea. please teach your employees some ethics and basic human kindness.

      Business Response

      Date: 08/22/2023

      We have reviewed all calls related to this day.  The initial call placed by our collector ********* was not a threatening call.  She acted within the guidelines of the ***** and other governing parties.  There was not an established payment arrangement set up.  That was purpose of call to either obtain the balance or set up and establish a payment arrangement.

      When our supervisor talked with *************** she indicated she didn't want to file a complaint after all.  Apologized for the way she talked to *********, knows she owes is just mortified has collection account and thought she would be receiving another bill from us where she could just mail another payment in. 

    • Initial Complaint

      Date:08/11/2023

      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 got a $1062 garnishment for for a $500 debt. I also never got a notice for this garnishment as they had the wrong address for me plus I was on medical leave and had no idea until my first week back and my check was $2.00

      Business Response

      Date: 08/22/2023

      04-29-2022.  **************** was personally served small claims papers on 03-08-2022.

      To date CSO Financial, Inc., has received zero funds towards this judgment. 

      The amount that **************** references, $1062.66 is the amount we issued a garnishment for to her employer however due to her being out on a leave of absence and then when she did return did not work enough hours to be eligible to be garnished we have received zero funds.  

      Customer Answer

      Date: 08/22/2023

      Here is the balance currently on my credit report saying I owe them only $570 which is more reasonable than $1026 for a $400 bill. I believe that cso is trying to take advantage of me by charging me over double that I owe. And for being served that is a lie cso didn't even have my correct address I updated it when I called to see what this garnishment was for about 2 weeks ago when I also told them I have been on medical leave. I was never nor was anyone at my residence served papers on this garnishment! 

      Customer Answer

      Date: 08/22/2023

       
      Complaint: 20459484

      I am rejecting this response because: This is not right and I was never served on 03/08/2023 1 they had an old address also a complete different address that was an apartment and I live in a house. 2 the amount isn't fair to what I orgionally owe 3 I know that on 03/08 I wasn't even at home to be served as that is my daughters birthday and we were out of town at the coast for her birthday we left on Tuesday the 7th and didn't even return home until Friday the 10th 

      Sincerely,

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

      Customer Answer

      Date: 08/22/2023

       
      Complaint: 20459484

      I am rejecting this response because: This is not right and I was never served on 03/08/2023 1 they had an old address also a complete different address that was an apartment and I live in a house. 2 the amount isn't fair to what I orgionally owe 3 I know that on 03/08 I wasn't even at home to be served as that is my daughters birthday and we were out of town at the coast for her birthday we left on Tuesday the 7th and didn't even return home until Friday the 10th 

      Sincerely,

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

    • Initial Complaint

      Date:04/27/2023

      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.
      They did a hard pull on my credit for a loan or new bank account. I did not give permission for this.

      Business Response

      Date: 05/08/2023

      Under the **** we have permissible purposes for requesting to review her credit.  There is an outstanding Judgment owed to our office.  22SC27165

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