What is the most common complaint against Aqua Finance, Inc.?

The most common issue consumers report about Aqua Finance, Inc. is "Attempts to collect debt not owed", specifically "Threatened or suggested your credit would be damaged". This is based on 239 complaints filed with the CFPB.

Are complaints against Aqua Finance, Inc. increasing or decreasing?

Complaints against Aqua Finance, Inc. are rising. The company received 84 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Aqua Finance, Inc.'s reputation grade?

Aqua Finance, Inc. has a reputation grade of D (score: 49.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Aqua Finance, Inc. respond to consumer complaints?

Aqua Finance, Inc. has a 80% timely response rate to CFPB complaints. Consumers disputed the company's response in 18% of cases.

In how many states does Aqua Finance, Inc. operate?

Aqua Finance, Inc. has received CFPB complaints from consumers in 35 states, with the most complaints from Texas (60 complaints).

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

Aqua Finance, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 35 states, reputation grade D.

Compiled by PlainCollector

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

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 #4180

VOL 239
GRADE D
12MO 84
STATES 35
TIMELY 80%
DISPUTE 18%
ISSUE Attempts to collect debt n…
RANK #464
COMPOSE #4,180

Volume peers

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

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 →

Filing geometry

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

Volume rank #464 and composite rank #4,180 diverge by 3,716 places on PlainCollector's CFPB-derived corpus maps. 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
Divergent corpus ranks: #464 volume; #4,180 composite; Cleanest-composite ladder is 3,716 places worse than volume

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

268

Timely-response ratehigher is better

80%

100%

91%

Consumer-dispute ratelower is better

18%

13%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Texas

60
Florida

38
California

24
Georgia

14
North Carolina

9
Nevada

7
Arizona

6
Illinois

6

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.