This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade B 2 complaints

391 Financial, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade B.

Complaints by issue type

What consumers report about 391 Financial, Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

B

Grade B · 76.6/100 composite

This collector has a good complaint record with relatively few complaints and responsive customer service.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of B: 391 Financial, Inc. ranks ahead of 80% of the 5,283 collectors PlainCollector grades - 20% keep a cleaner CFPB record, on 2 all-time complaints and a 100% timely-response rate.

80th pct
reputation rank of 5,283 graded collectors
2
CFPB complaints, all-time
100%
answered inside the CFPB window
0
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about 391 Financial, Inc.?

391 Financial, Inc. has accumulated 2 total CFPB complaints across 2 states, with 0 filed in the most recent 12 months against 2 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Took or threatened to take negative or legal action", narrowing to "Frequent or repeated calls". The company posts a 100% timely-response rate.

Complaints have been recorded across 2 states, led by Idaho with 1 and Wisconsin with 1. Normalized against the full CFPB collector database, the reputation score of 76.6/100 places 391 Financial, Inc. in grade band B.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

2

low-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

2

limited footprint

Timely response rate

100%

excellent band

Reputation grade

B

76.6/100 composite

How does 391 Financial, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

77 Top 20% higher than 80% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). Below this entry. 70–80: 871 graded collectors (16%). This entry sits in this band. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

391 Financial, Inc. versus the debt-collection vertical average.

Timely response within SLA 100.0%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

State coverage breadth 3.6%

Share of US states + territories with at least one filed complaint against this collector.

How does 391 Financial, Inc. compare to its peers?

How does 391 Financial, Inc. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
391 Financial, Inc. National average
Complaints (last 12 mo)lower is better
0
0
268
Timely-response ratehigher is better
100%
100%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2020-03 2020-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Took or threatened to take negative or legal action - 1
Communication tactics - 1

Where do complaints against 391 Financial, Inc. come from?

391 Financial, Inc.'s own per-state count, not a national baseline.

Top states by complaints against 391 Financial, Inc.

Across 2 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if 391 Financial, Inc. contacts you

A grade of B signals how 391 Financial, Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really 391 Financial, Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how 391 Financial, Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against 391 Financial, Inc.? ▼

The most common issue consumers report about 391 Financial, Inc. is "Took or threatened to take negative or legal action", specifically "Frequent or repeated calls". This is based on 2 complaints filed with the CFPB.

Are complaints against 391 Financial, Inc. increasing or decreasing? ▼

Complaints against 391 Financial, Inc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is 391 Financial, Inc.'s reputation grade? ▼

391 Financial, Inc. has a reputation grade of B (score: 76.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does 391 Financial, Inc. respond to consumer complaints? ▼

391 Financial, Inc. has a 100% timely response rate to CFPB complaints.

In how many states does 391 Financial, Inc. operate? ▼

391 Financial, Inc. has received CFPB complaints from consumers in 2 states, with the most complaints from Idaho (1 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.