Justin Charles Fleming (CRD #4052752) Has a Customer Dispute Disclosure on FINRA BrokerCheck

Justin Charles Fleming (CRD #4052752) is a broker with a customer dispute on FINRA BrokerCheck. We reviewed his BrokerCheck report on May 20, 2026. It reflects one customer dispute. If you invested with Justin Fleming and have concerns, keep reading.

BrokerCheck link: BrokerCheck

BrokerCheck report: BrokerCheck Report (PDF)

Investor Disputes / Customer Complaints

Justin Fleming’s FINRA BrokerCheck Report reflects one customer dispute disclosure. A summary of the dispute is below:

On March 23, 2026, a customer alleged Justin Fleming engaged in unauthorized trading. The customer also alleged that funds were invested in unsuitable, risky mutual fund assets from April 2021 to November 2022. The customer sought $67,160 in damages. Justin Fleming FINRA BrokerCheck lists the product as a mutual fund. The complaint was closed with no action on April 6, 2026. The complaint was written and was not an arbitration, CFTC reparation, or civil litigation.

Rule Summary #1: FINRA Rule 2111 (Suitability)

FINRA Rule 2111 requires a reasonable basis for a recommendation. A broker should match the strategy to the customer’s profile. Suitability issues can arise when a customer claims the investment was too risky.

Rule Summary #2: FINRA Rule 2010 (Standards of Commercial Honor and Principles of Trade)

FINRA Rule 2010 requires high standards of commercial honor. It also requires just and equitable principles of trade. Unauthorized trading claims can raise concerns about whether a broker followed those standards.

Why This Matters to Investors (Regulation Best Interest)

Regulation Best Interest (Reg BI) is a U.S. securities regulation. It strengthens the standard of conduct that broker-dealers owe to retail investors. It applies when they recommend securities transactions or investment strategies. The U.S. Securities and Exchange Commission adopted Reg BI. It became effective on June 30, 2020. Reg BI aims to protect investors while preserving access to brokerage products and services.

Reg BI requires broker-dealers and financial advisors to act in a retail customer’s best interest at the time of a recommendation. They must not place their own financial or other interests ahead of the customer’s. This standard is higher than the older “suitability” rule. Suitability meant a recommendation only had to be appropriate. It did not have to be the best option or free of conflicts.

Reg BI has four key obligations:

Disclosure Obligation – Broker-dealers must disclose material facts about the relationship and the recommendation. This includes fees, the scope of services, and conflicts of interest.

Care Obligation – Broker-dealers must use reasonable diligence, care, and skill. They must consider costs, risks, and alternatives when making a recommendation.

Conflict of Interest Obligation – Firms must identify conflicts of interest. They must disclose them and mitigate or eliminate them. This includes conflicts that create incentives to favor one product over another.

Compliance Obligation – Firms must maintain policies and procedures. Those policies should be designed to ensure compliance with Reg BI as a whole.

Reg BI applies to each recommendation. It is not a continuous duty like the fiduciary standard for registered investment advisers. Even so, it narrows the gap. It puts more focus on costs, conflicts, and investor-focused decision-making.

Overall, Regulation Best Interest promotes transparency. It also aims to improve the quality of investment recommendations. It is designed to reinforce trust between retail investors and broker-dealers in the U.S. securities markets.

Background Information (from BrokerCheck)

Based on his FINRA BrokerCheck report, Justin Fleming:

Is currently registered with Ameriprise Financial Services, LLC and Kinecta Financial & Insurance Services.

Has passed the Securities Industry Essentials (SIE) exam. Justin Fleming has passed Series 7. He has also passed Series 65 and Series 63.

Was previously registered with firms that include LPL Financial LLC, Sentra Securities Corporation, and Interfirst Capital Corporation.

Kurta Law Can Help

If you have worked with Justin Fleming and you have concerns about his activity, Kurta Law may be able to help you evaluate your legal options. To speak with Kurta Law, call 877-600-0098 or email info@kurtalawfirm.com.

Helpful resources: Unsuitable Investments | Securities Attorney

For nearly 20 years, Kurta Law has advocated for investors and helped hold financial professionals accountable. Our firm represents clients nationwide in securities arbitration and related disputes. If you believe a broker or firm mishandled your account, an attorney can review the facts and explain possible next steps.