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

CFPB complaint data Grade F 51 complaints

Advantage Financial Service LLC (Idaho) - Debt Collector Complaint Profile

CFPB complaint profile across 8 states, reputation grade F.

Complaints by issue type

What consumers report about Advantage Financial Service LLC (Idaho)

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

Data updated September 2026

CFPB complaint disposition

CCDB record advantage-financial-service-llc-idaho Advantage Financial Service LLC (Idaho)

Grade F · 51 CFPB filings · 94% timely · lead issue: Attempts to collect debt not owed

  • VOL 51
  • GRADE F
  • 12MO 7
  • STATES 8
  • TIMELY 94%
  • DISPUTE 63%
  • ISSUE Attempts to collect debt n…
  • RANK #1,174
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: 21st Mortgage Corp. (51 complaints)

21st Mortgage Corp.21st Mortgage Corp.51Action Financial Services, LLCAction Financial Services, L…51Broward Adjustment ServicesBroward Adjustment Services51CCB Credit Serivces, IncCCB Credit Serivces, Inc51Advantage Financial Service LLC (Idaho) (this)Advantage Financial Service …51
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Advantage Financial Service LLC (Idaho)'s 51 CFPB complaints sit next to 21st Mortgage Corp. 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 51 complaints break down

Every complaint issue type on record for Advantage Financial Service LLC (Idaho), not just the top ones shown above.

Reputation score breakdown

F
Composite reputation score
46.9/100
Advantage Financial Service LLC (Idaho)

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 D
51
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
94%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate D
63%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

82.4% of Advantage Financial Service LLC (Idaho)'s CFPB filings land in Idaho

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

Dominant state
Idaho 82.4%
42 of 51 filings · 8 states touched
Seasonal peak
2015-01 13.3%
8–15% band · 2 filings
Corpus ranks
#1,174 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Advantage Financial Service LLC (Idaho) compare to its peers?

How does Advantage Financial Service LLC (Idaho) compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Advantage Financial Service LLC (Idaho) National average
Complaints (last 12 mo)lower is better
7
0
268
Timely-response ratehigher is better
94%
96%
91%
Consumer-dispute ratelower is better
63%
22%
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 Advantage Financial Service LLC (Idaho) a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 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 60%70%80%90%100%110% 0%20%40%60%80% Timely response rate (%) Dispute rate (%) Advantage Financial Service LLC (Idaho) vs. 9 similar-volume peers, by response speed and dispute rate Advantage Financial Service LLC (Idaho)Action Financial Services, LLCBroward Adjustment Services21ST MORTGAGE CORP.CCB Credit Serivces, IncCredit Bureau of Lancaster County, Inc.FIRST HERITAGE CREDIT LLCMNS & Associates LLCUNIVERSAL COLLECTION SYSTEMS, INCSocial Finance, Inc.
Source: CFPB Consumer Complaint Database

Advantage Financial Service LLC (Idaho)'s complaint volume in context

Advantage Financial Service LLC (Idaho) 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)

51 Top 22% higher than 78% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). This entry sits in this band. 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. Advantage Financial Service LLC (Idaho) 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)

Falling ↓
2015-01 2025-04

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
22
Written notification about debt
7
False statements or representation
7
Took or threatened to take negative or legal action
6
Communication tactics
6
Improper contact or sharing of info
2
Cont'd attempts collect debt not owed
1

Where do complaints against Advantage Financial Service LLC (Idaho) come from?

Advantage Financial Service LLC (Idaho)'s own per-state count, not a national baseline.

Top states by complaints against Advantage Financial Service LLC (Idaho)

Across 8 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 Advantage Financial Service LLC (Idaho): 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: 51.

4 peers

Know your rights before responding to Advantage Financial Service LLC (Idaho): 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.