What is the most common complaint against AFJ Systems, Inc.?

The most common issue consumers report about AFJ Systems, Inc. is "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 5 complaints filed with the CFPB.

Are complaints against AFJ Systems, Inc. increasing or decreasing?

Complaints against AFJ Systems, Inc. are rising. The company received 2 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is AFJ Systems, Inc.'s reputation grade?

AFJ Systems, Inc. has a reputation grade of C (score: 58.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does AFJ Systems, Inc. respond to consumer complaints?

AFJ Systems, Inc. has a 75% timely response rate to CFPB complaints.

In how many states does AFJ Systems, Inc. operate?

AFJ Systems, Inc. has received CFPB complaints from consumers in 3 states, with the most complaints from Texas (3 complaints).

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

AFJ Systems, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 3 states, reputation grade C.

Compiled by PlainCollector

False statements or representation

2
Attempts to collect debt not owed

1
Communication tactics

1
Threatened to contact someone or share information improperly

1

Data updated September 2026

CFPB complaint disposition

CCDB record afj-systems-inc AFJ Systems, Inc.

Grade C · 5 CFPB filings · 75% timely · lead issue: False statements or representation · vol #3067 · compose #2561

VOL 5
GRADE C
12MO 2
STATES 3
TIMELY 75%
ISSUE False statements or repres…
RANK #3,067
COMPOSE #2,561

Volume peers

Nearest volume peer: Aaron Worldwide Collections Inc. (5 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

AFJ Systems, Inc.'s 5 CFPB complaints sit next to Aaron Worldwide Collections 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 →

State-heavy filing map

60.0% of AFJ Systems, Inc.'s CFPB filings land in Texas

High volume does not equal a clean composite: AFJ Systems, Inc. is volume #3,067 but composite #2,561, while Texas dominates the geography. Corpus placement method.

Dominant state: Texas 60.0%; 3 of 5 filings · 3 states touched
Spike month: 2025-11 18.2%; 2 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #3,067 volume; #2,561 composite; Cleanest-composite ladder is 506 places better than volume

How does AFJ Systems, Inc. compare to its peers?

How does AFJ Systems, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

AFJ Systems, Inc. National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

75%

60%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-04 2026-02

Issue Detail Breakdown

Issue	Complaints
False statements or representation	2
Attempts to collect debt not owed	1
Communication tactics	1
Threatened to contact someone or share information improperly	1

Where do complaints against AFJ Systems, Inc. come from?

AFJ Systems, Inc.'s own per-state count, not a national baseline.

Texas

3
Alabama

1
Nevada

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for AFJ Systems, Inc.: 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: 5.

4 peers

Know your rights before responding to AFJ Systems, Inc.: 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.