Total CFPB complaints
9
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 9 complaints
Amos Financial LLC — Debt Collector Complaint Profile
CFPB complaint profile across 7 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Amos Financial LLC
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
4 complaints
- False statements or representation
False statements or representation
3 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
2 complaints
D
Grade D · 54.9/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Amos Financial LLC?
Amos Financial LLC has accumulated 9 total CFPB complaints across 7 states, with 0 filed in the most recent 12 months against 9 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 "Took or threatened to take negative or legal action", narrowing to "Threatened to sue you for very old debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 67% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 7 states, led by Florida with 2 and Ohio with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 54.9/100 places Amos Financial LLC in grade band D, 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
7
Distinct state filings
Timely response rate
67%
Within CFPB SLA window
Reputation grade
D
54.9/100 composite
Response-quality profile
How Amos Financial LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 66.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 12.5%
Share of US states + territories with at least one filed complaint against this collector.
How does Amos Financial LLC compare to its peers?
Amos 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)
2019-11 2023-01
Top Consumer Issues
Took or threatened to take negative or legal action4 (%)
False statements or representation3 (%)
Attempts to collect debt not owed2 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
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 |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 3 |
| False statements or representation | Told you not to respond to a lawsuit they filed against you | 1 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
| False statements or representation | Indicated you were committing crime by not paying debt | 1 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 1 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
Where do complaints against Amos Financial LLC come from?
The states where consumers have filed the most CFPB complaints against Amos Financial LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Amos Financial LLC
Across 7 states with at least one filing
- Florida
Florida
2 complaints
- Ohio
Ohio
2 complaints
- Illinois
Illinois
1 complaints
- Idaho
Idaho
1 complaints
- New York
New York
1 complaints
- California
California
1 complaints
- Texas
Texas
1 complaints
Frequently Asked Questions
What is the most common complaint against Amos Financial LLC? ▼
The most common issue consumers report about Amos Financial LLC is "Took or threatened to take negative or legal action", specifically "Threatened to sue you for very old debt". This is based on 9 complaints filed with the CFPB.
Are complaints against Amos Financial LLC increasing or decreasing? ▼
Complaints against Amos Financial LLC have been stable. The company received 0 complaints in the last 12 months.
What is Amos Financial LLC's reputation grade? ▼
Amos Financial LLC has a reputation grade of D (score: 54.9/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Amos Financial LLC respond to consumer complaints? ▼
Amos Financial LLC has a 67% timely response rate to CFPB complaints.
In how many states does Amos Financial LLC operate? ▼
Amos Financial LLC has received CFPB complaints from consumers in 7 states, with the most complaints from Florida (2 complaints).
What can I do if Amos 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 Amos 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 |