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Business Profile

Collections Agencies

Bull City Financial Solutions, Inc.

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Collections Agencies.

Complaints

Customer Complaints Summary

  • 198 total complaints in the last 3 years.
  • 65 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.

Sort by

Complaint status

Complaint type

  • Initial Complaint

    Date:05/02/2025

    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.
    The collection agency is reporting inaccurate details that do not match my records.

    Business Response

    Date: 05/02/2025

    Thank you for your inquiry. In accordance with 15 *** 1692c we are unable to disclose any information about consumers to third parties. Our Help Desk is available to assist consumers and may be reached directly via telephone at **************

  • Initial Complaint

    Date:05/01/2025

    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 dont recognize this item that is being reported on my credit report. The company that is reporting this item cant provide any proof that this debt belongs to me. I have never signed any contract from this company.

    Business Response

    Date: 05/01/2025

    Thank you for your inquiry. In accordance with 15 *** 1692c we are unable to disclose any information about consumers to third parties. Our Help Desk is available to assist consumers and may be reached directly via telephone at **************

  • Initial Complaint

    Date:04/30/2025

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

    Customer Answer

    Date: 04/30/2025

    I am not liable for this debt with *******************. I do not have a a contract with BullCity Financial Sol. This needs to be removed from my credit file it is hindering my daily duties. 

    Business Response

    Date: 04/30/2025

    Thank you for your inquiry. In accordance with 15 *** 1692c we are unable to disclose any information about consumers to third parties. Our Help Desk is available to assist consumers and may be reached directly via telephone at **************.

  • Initial Complaint

    Date:04/28/2025

    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 would like to file a complaint about a derogatory **** on my credit report. I am not liable for this debt because I did not enter a contract with bull city financial. They did not send me an original contract as requested. I demand that this be cleared from my credit report.

    Business Response

    Date: 04/28/2025

    Thank you for your inquiry. In accordance with 15 *** 1692c we are unable to disclose any information about consumers to third parties. Our Help Desk is available to assist consumers and may be reached directly via telephone at **************.  

  • Initial Complaint

    Date:04/28/2025

    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 would like to file a complaint about a medical bill that shows up on my trans union credit report. As per **** regulation v, senate bill 5480 This medical bill cannot be on a collection report. I demand that this be removed from my credit report.

    Business Response

    Date: 04/28/2025

    Thank you for your inquiry. In accordance with 15 *** 1692c we are unable to disclose any information about consumers to third parties. Our Help Desk is available to assist consumers and may be reached directly via telephone at **************.  

  • Initial Complaint

    Date:04/24/2025

    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.
    My name is ****** ******** SS#*********.i have an account on my ********************** report, which i am not liable for or own. I have no contract with Bull city Financial Solutions. I would like this Account removed from my credit report.

    Business Response

    Date: 04/25/2025

    Tell us why here...Thank you for your inquiry. In accordance with 15 *** 1692c we are unable to disclose any information about consumers to third parties. Our Help Desk is available to assist consumers and may be reached directly via telephone at **************.

  • Initial Complaint

    Date:04/22/2025

    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.
    First off you guys or I think the third or the fourth financial institution that has taken over this bill so in my opinion, get yourmoney back number two. This bill was paid on December ***************************************** full for the full balance of $109.26 you people caused me more problem your ************* because she took out more than $109.26 so if your company that sold it to you again probably for thesecond or third time to another deck collector thats not my problem. You can go back to ************* and get your money back and I will be following a complaint with the ********************** also we have not lived in this apartment and I am tired of being harassed ona bill that has already been paid. I dont know what part about cease and desist. you dont understand, but you are not getting any more money me. The bill was paid 100% in full and we do not live in that apartment anymore.

    Business Response

    Date: 04/22/2025

    Thank you for your inquiry. In accordance with 15 *** 1692c we are unable to disclose any information about consumers to third parties. Our Help Desk is available to assist consumers and may be reached directly via telephone at **************.

    Customer Answer

    Date: 04/22/2025

     
    Complaint: 23235170

    I am rejecting this response because: You people dont answer the phone so I do not want any further contact. Do you understand me?

    Sincerely,

    ******* ****

    Business Response

    Date: 04/23/2025

    Thank you for your inquiry. In accordance with 15 *** 1692c we are unable to disclose any information about consumers to third parties. Our Help Desk is available to assist consumers and may be reached directly via telephone at **************

  • Initial Complaint

    Date:04/22/2025

    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 with this debt with BULL CITY FINANCIAL SOLUTIONS. I do not have a contract with this BULL CITY FINANCIAL SOLUTIONS. They did not provide me with original contract as requested.

    Customer Answer

    Date: 04/22/2025

    Burden of proof falls on agency reporting this account to ********************** reports as stated in thr ****, this is my last response before I file a formal complaint with the **** and the **** thank you

    Business Response

    Date: 04/23/2025

    Thank you for your inquiry. In accordance with 15 *** 1692c we are unable to disclose any information about consumers to third parties. Our Help Desk is available to assist consumers and may be reached directly via telephone at **************.

    Customer Answer

    Date: 04/23/2025

     
    Complaint: 23233021

    I am rejecting this response because:

    Burden of proof falls on agency reporting this account to ********************** reports as stated in thr FCRA, this is my last response before I file a formal complaint with the **** and the **** thank you

    Sincerely,

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

    Business Response

    Date: 04/24/2025

    Thank you for your inquiry. In accordance with 15 *** 1692c we are unable to disclose any information about consumers to third parties. Our Help Desk is available to assist consumers and may be reached directly via telephone at **************

  • Initial Complaint

    Date:04/17/2025

    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.
    It is unacceptable, and a violation of federal consumer protection laws, that I continue to face harassment and fictitious debts due to the unauthorized account

    Business Response

    Date: 04/17/2025

     Thank you for your inquiry. In accordance with 15 *** 1692c we are unable to disclose any information about consumers to third parties. Our Help Desk is available to assist consumers and may be reached directly via telephone at **************

  • Initial Complaint

    Date:04/16/2025

    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 had an ambulance ride bill that I was in a payment plan making regular on time payments to the ambulance company ******** when I received a letter from ********* stating that they were collecting on the account. I first tried calling Bull City to advise I was paying on time to the creditor but was hung up on 3 times when I refused to provide more personal info other than my name, address, DOB, account number, original ************************ name. I explained the account was an error and I did not want to share my SSN or any additional info so they hung up on me all 3 times. I called the original creditor, ******** EMS to inquire why the account was sent to collections when I was in a payment plan. They said that some accounts were sent to them in error and they sent an email to pull the account back and apologized for the inconvenience. Over a month later Im still receiving letters and now calls. I then receive a notification from the Experian App that my score changed. I logged in to find my score dropped 28 points because Bull City submitted the account.I call the original creditor, ******** again. They were very apologetic, and stated they would again reach out to *********, and offered to write off the rest of my balance. As of this morning, I submitted the email with zero balance I recd from ******** to Experian to dispute this account. I explained the account was in collections in error. I am unable to resolve this account personally with Bull City because they will just hang up on me, so I feel I have no choice but to submit this ********** husband and I are trying to finance a car soon for our daughter and looking to purchase a home and my credit score has taken a hit sending it below 700 because of this company and thier refusal to speak to me or remove the account. Please help me resolve this, I have no other collections on my credit and it is causing me hardship.

    Business Response

    Date: 04/16/2025

    Thank you for your inquiry. In accordance with 15 *** 1692c we are unable to disclose any information about consumers to third parties. Our Help Desk is available to assist consumers and may be reached directly via telephone at **************.

    Customer Answer

    Date: 04/16/2025

     
    Complaint: 23212590

    I am rejecting this response because it does not address the problem. I authorize ********* Financial to discuss my account with any ******************** Representative to resolve this matter. 

    Sincerely,

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

    Business Response

    Date: 04/17/2025

    Thank you for your inquiry. In accordance with 15 *** 1692c we are unable to disclose any information about consumers to third parties. Our Help Desk is available to assist consumers and may be reached directly via telephone at **************.l us why here...

    Customer Answer

    Date: 04/17/2025

     
    Complaint: 23212590

    I am rejecting this response because it is the same exact response as the first and resolves nothing. I authorize ********* Financial to discuss my account with the ******************** for the purpose of resolving this complaint. 

    Sincerely,

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

Bull City Financial Solutions, Inc. is NOT a BBB Accredited Business.

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