BCA Financial Services

BCA Financial Services has an active $10,000 surety bond on file with the Texas Secretary of State (SoS File 20100254), last checked October 12, 2026. Texas does not issue a collection license; that bond is what Texas Finance Code Chapter 392 requires of a third-party debt collector before it collects consumer debts.

Yes. BCA Financial Services holds an active Debt Collection Agency license with the New York City Department of Consumer and Worker Protection (license 2119949-DCWP), last checked October 14, 2026. New York City requires this license of any business whose principal purpose is collecting personal or household debts from NYC residents, wherever the business itself is based.

Yes. BCA Financial Services holds a consumer collection agency registration with the Florida Office of Financial Regulation (CCA0900207), recorded as Approved, last checked October 12, 2026. Chapter 559, Part VI of the Florida Statutes requires this registration of a consumer collection agency, though nine categories of business are lawfully exempt from it.

The public CFPB Consumer Complaint Database records 165 debt-collection complaints referencing BCA Financial Services, as of October 14, 2026. This counts debt-collection complaints only, all years, not every complaint the Bureau holds about the company; the profile links the same search on the live CFPB database; a complaint is a record, not a verdict, and the CFPB says its database is not a statistical sample of consumers’ experiences.