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

CFPB complaint data Grade C 13 complaints

A-L Financial Corp - Debt Collector Complaint Profile

CFPB complaint profile across 3 states, reputation grade C.

Complaints by issue type

What consumers report about A-L Financial Corp

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record a-l-financial-corp A-L Financial Corp

Grade C · 13 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed

  • VOL 13
  • GRADE C
  • 12MO 4
  • STATES 3
  • TIMELY 100%
  • ISSUE Attempts to collect debt n…
  • RANK #2,234
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: 3rd Generation, Inc. (13 complaints)

3rd Generation, Inc.3rd Generation, Inc.13ACQ Holdings, LLC.ACQ Holdings, LLC.13Aequitas Capital Opportunities Fund, LPAequitas Capital Opportuniti…13Arbor Residential Mortgage LLCArbor Residential Mortgage L…13A-L Financial Corp (this)A-L Financial Corp (this)13
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

A-L Financial Corp's 13 CFPB complaints sit next to 3rd Generation, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 13 complaints break down

Every complaint issue type on record for A-L Financial Corp, not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
61.0/100
A-L Financial Corp

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume C
13
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate N/A
N/A
No dispute rate reported.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

84.6% of A-L Financial Corp's CFPB filings land in California

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
California 84.6%
11 of 13 filings · 3 states touched
Spike month
2021-05 50.0%
1 filings that month · spiky (≥15% of series)
Corpus ranks
#2,234 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does A-L Financial Corp compare to its peers?

How does A-L FINANCIAL CORP compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
A-L FINANCIAL CORP National average
Complaints (last 12 mo)lower is better
4
1
268
Timely-response ratehigher is better
100%
69%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy A-L Financial Corp a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 7 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 40%60%80%100%120% 0%20%40%60% Timely response rate (%) Dispute rate (%) A-L Financial Corp vs. 7 similar-volume peers, by response speed and dispute rate 3rd Generation, Inc.ACQ Holdings, LLC.Aequitas Capital Opportunities Fund, LPArbor Residential Mortgage LLCBowen & Associates Recovery, IncCBV Collection Services Ltd.Collection Bureau of Little Falls, Inc.
Source: CFPB Consumer Complaint Database

A-L Financial Corp's complaint volume in context

A-L Financial Corp vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

13 59th percentile higher than 59% of 5,420 collectors

0–20: 3,504 collectors (65%). This entry sits in this band. 20–40: 565 collectors (10%). Above this entry. 40–60: 260 collectors (5%). Above this entry. 60–80: 163 collectors (3%). Above this entry. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. A-L Financial Corp 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
2021-05 2026-01

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
5
Written notification about debt
4
Took or threatened to take negative or legal action
2
False statements or representation
2

Where do complaints against A-L Financial Corp come from?

A-L Financial Corp's own per-state count, not a national baseline.

Top states by complaints against A-L Financial Corp

Across 3 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for A-L Financial Corp: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 13.

4 peers

Know your rights before responding to A-L Financial Corp: FDCPA rights guide · debt validation letter · rights library.

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

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

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.