Bull City Financial Solutions, Inc. is a third-party collection agency in Durham, North Carolina. It collects accounts that are usually 60 or more days past due for healthcare, utility, communications, financial, education and government clients, and it does not own the debts it collects.
- Type
- Collection agency
- Also known as
- Bull City Financial Solutions, Inc; BCFS
- Headquarters
- Durham, NC
- Collects
- medical bills, utility bills, communications accounts, financial accounts, education balances, government accounts
- Phone numbers it lists
- (800) 489-7999
- Website
- bullcityfinancial.com
1,444 debt collection complaints were sent to the Consumer Financial Protection Bureau about Bull City Financial Solutions, Inc from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Bull City Financial Solutions?
Bull City Financial Solutions, Inc. (BCFS) is a national accounts receivable management firm. Its website says the company was founded in Emporia, Virginia, in 1975 and expanded to Durham, North Carolina, in 1991. Its headquarters is at 2609 N Duke St #500, Durham, NC 27704, and it says it is licensed to operate in all 50 states and accredited by ACA International.
Why Bull City Financial Solutions May Be Contacting You
BCFS is a pure third-party agency. Its consumer FAQ says it does not own the debts it collects; the original creditor does, and BCFS is paid a commission when it collects. It also says the accounts it works are typically 60 or more days overdue.
The company lists its client industries as healthcare, utilities, communications, financial, education and government. That makes the most likely sources a hospital or physician group, a power or water utility, a phone or internet provider, a college or university, a credit union or bank, or a government agency such as a municipal billing office. The creditor's name should be on the letter. BCFS's help desk is at (800) 489-7999, Monday through Friday, 8 a.m. to 9 p.m. Eastern.
How to Check a Debt Bull City Financial Solutions Says You Owe
Because the creditor still owns the account, the dispute is really with the creditor's records, and BCFS has to get them for you.
- Find your dispute deadline. The validation notice required by 15 U.S.C. § 1692g and 12 C.F.R. § 1006.34 must state the creditor, the itemized balance and the date by which you can dispute.
- Put the dispute in writing. BCFS's own FAQ recommends a dated letter with any evidence, and it also has an online dispute option. A written dispute within the validation period obliges BCFS to stop collecting until it provides verification.
- Ask for the source documents. For a hospital account: the itemized bill and what insurance paid. For a utility: the service address and final bill. For a school: the student ledger. For a government account: the statute or ordinance that created the charge.
- Confirm the creditor still owns it. BCFS says its clients keep ownership; if a different owner appears, ask for an explanation.
- Check how old it is. Most consumer debts in Texas carry a four-year limit for lawsuits (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on a time-barred consumer debt (Tex. Fin. Code § 392.307). Other states have their own periods, and some government debts are governed by different rules.
What Bull City Financial Solutions Can and Can't Do
A commission-based agency collecting consumer debts for others is a textbook "debt collector" under 15 U.S.C. § 1692a(6). With the kinds of accounts BCFS handles, keep these in mind:
- It may not call you at work if it knows your employer prohibits it, and it may not call before 8 a.m. or after 9 p.m. your time.
- Regulation F presumes a violation if it calls more than seven times within seven days about one debt (12 C.F.R. § 1006.14(b)(2)). BCFS's FAQ also says you can ask to be placed on its Do Not Call list.
- A collector may not imply that an unpaid utility or government bill will lead to arrest or jail.
- A licensed Texas health care facility cannot pursue collection until it sends an itemized bill; see our SB 490 update.
A 2025 California DFPI settlement with BCFS over a late annual report is listed below. We did not find any other enforcement action against BCFS in the CFPB's enforcement actions list, the FTC's case database, the Connecticut Department of Banking's 2016–2026 consumer credit orders, California DFPI enforcement records or the New York DFS enforcement actions list, which we checked in November 2026. If you think a BCFS call or letter broke the rules, see our Texas FDCPA attorneys page.
Government Actions on the Public Record
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Bull City Financial Solutions or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- Bull City Financial Solutions: home page
- Bull City Financial Solutions: About
- Bull City Financial Solutions: Consumer FAQ
- CFPB Consumer Complaint Database: Bull City Financial Solutions, Inc, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Bull City Financial Solutions has violated any law. Company details change; tell us if something here is out of date.