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

CFPB complaint data Grade D 239 complaints

Aqua Finance, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 35 states, reputation grade D.

Complaints by issue type

What consumers report about Aqua Finance, Inc.

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

Data updated September 2026

CFPB complaint disposition

CCDB record aqua-finance-inc Aqua Finance, Inc.

Grade D · 239 CFPB filings · 80% timely · lead issue: Attempts to collect debt not owed · vol #464 · compose #402

  • VOL 239
  • GRADE D
  • 12MO 84
  • STATES 35
  • TIMELY 80%
  • DISPUTE 18%
  • ISSUE Attempts to collect debt n…
  • RANK #464
  • COMPOSE #402

Volume peers

Nearest volume peer: Altisource Portfolio Solutions, S.à r.l. (239 complaints)

BlueChip FinancialBlueChip Financial238Altisource Portfolio Solutions, S.à r.l.Altisource Portfolio Solutio…239Healthcare Finance Direct LLC.Healthcare Finance Direct LL…239RGS Financial, Inc.RGS Financial, Inc.239Aqua Finance, Inc. (this)Aqua Finance, Inc. (this)239
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Aqua Finance, Inc.'s 239 CFPB complaints sit next to Altisource Portfolio Solutions, S.à r.l. 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 239 complaints break down

Every complaint issue type on record for Aqua Finance, Inc., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
49.6/100
Aqua Finance, Inc.

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 F
239
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
80%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
18%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

Texas is the plurality state for Aqua Finance, Inc. (25.1%)

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Plurality state
Texas 25.1%
Mid-band (15–30%) · 35 states with ≥1 filing
Seasonal peak
2025-05 9.4%
8–15% band · 3 filings
Corpus ranks
#464 volume
#402 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Aqua Finance, Inc. compare to its peers?

How does Aqua Finance, 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
Aqua Finance, Inc. National average
Complaints (last 12 mo)lower is better
84
1
268
Timely-response ratehigher is better
80%
100%
91%
Consumer-dispute ratelower is better
18%
13%
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 Aqua Finance, Inc. 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 75%80%85%90%95%100%105% 0%10%20%30%40%50% Timely response rate (%) Dispute rate (%) Aqua Finance, Inc. vs. 9 similar-volume peers, by response speed and dispute rate Aqua Finance, Inc.Altisource Portfolio Solutions, S.à r.l.RGS Financial, Inc.BlueChip FinancialRausch, Sturm, Israel, Enerson & Hornik, LLPBB&T CORPORATIONMedical-Commercial Audit IncBliksum, LLCBYL Collection ServicesM.A.R.S., Inc.
Source: CFPB Consumer Complaint Database

Aqua Finance, Inc.'s complaint volume in context

Aqua Finance, Inc. 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)

239 Top 9% higher than 91% 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%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Aqua Finance, Inc. 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 ↑
2023-08 2026-01

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
72
Took or threatened to take negative or legal action
51
False statements or representation
39
Written notification about debt
34
Communication tactics
18
Taking/threatening an illegal action
6
Threatened to contact someone or share information improperly
5
Improper contact or sharing of info
5
Cont'd attempts collect debt not owed
3
Disclosure verification of debt
3

Where do complaints against Aqua Finance, Inc. come from?

Aqua Finance, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Aqua Finance, Inc.

Across 35 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 Aqua Finance, 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: 239.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 80.36529680365297%.

4 peers

Know your rights before responding to Aqua Finance, 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.