Total CFPB complaints
76
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 76 complaints
Allgate Financial, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 22 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Allgate Financial, LLC
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
23 complaints
- Disclosure verification of debt
Disclosure verification of debt
10 complaints
- Attempts to collect debt not owed 9
Attempts to collect debt not owed
9 complaints
- Written notification about debt 8
Written notification about debt
8 complaints
- Took or threatened to take negative or legal action 4
Took or threatened to take negative or legal action
4 complaints
- Communication tactics 3
Communication tactics
3 complaints
C
Grade C · 60.0/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Allgate Financial, LLC?
Allgate Financial, LLC has accumulated 76 total CFPB complaints across 22 states, with 0 filed in the most recent 12 months against 76 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 99% timely-response rate against a 26% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 22 states, led by California with 15 and Florida with 10, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 60.0/100 places Allgate Financial, LLC in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
22
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
26%
After company response
Reputation grade
C
60.0/100 composite
Response-quality profile
How Allgate Financial, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 98.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 51.1%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 39.3%
Share of US states + territories with at least one filed complaint against this collector.
How does Allgate Financial, LLC compare to its peers?
Allgate Financial, LLC National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2016-06 2022-12
Top Consumer Issues
Cont'd attempts collect debt not owed23 (%)
Disclosure verification of debt10 (%)
Written notification about debt8 (%)
Attempts to collect debt not owed9 (%)
Took or threatened to take negative or legal action4 (%)
Communication tactics3 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt is not mine
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt is not mine | 12 |
| Disclosure verification of debt | Not given enough info to verify debt | 10 |
| Cont'd attempts collect debt not owed | Debt was paid | 6 |
| Written notification about debt | Didn't receive enough information to verify debt | 6 |
| Attempts to collect debt not owed | Debt is not yours | 6 |
| Cont'd attempts collect debt not owed | Debt resulted from identity theft | 5 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 4 |
| Attempts to collect debt not owed | Debt was paid | 3 |
| Communication tactics | Threatened to take legal action | 3 |
| Written notification about debt | Didn't receive notice of right to dispute | 2 |
Where do complaints against Allgate Financial, LLC come from?
The states where consumers have filed the most CFPB complaints against Allgate Financial, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Allgate Financial, LLC
Across 22 states with at least one filing
- California
California
15 complaints
- Florida
Florida
10 complaints
- New York
New York
10 complaints
- Georgia
Georgia
8 complaints
- Texas 5
Texas
5 complaints
- Alabama 4
Alabama
4 complaints
- Michigan 3
Michigan
3 complaints
- Maryland 3
Maryland
3 complaints
Frequently Asked Questions
What is the most common complaint against Allgate Financial, LLC? ▼
The most common issue consumers report about Allgate Financial, LLC is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 76 complaints filed with the CFPB.
Are complaints against Allgate Financial, LLC increasing or decreasing? ▼
Complaints against Allgate Financial, LLC have been stable. The company received 0 complaints in the last 12 months.
What is Allgate Financial, LLC's reputation grade? ▼
Allgate Financial, LLC has a reputation grade of C (score: 60.0/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Allgate Financial, LLC respond to consumer complaints? ▼
Allgate Financial, LLC has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 26% of cases.
In how many states does Allgate Financial, LLC operate? ▼
Allgate Financial, LLC has received CFPB complaints from consumers in 22 states, with the most complaints from California (15 complaints).
What can I do if Allgate Financial, LLC is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Allgate Financial, LLC violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |