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

CFPB complaint data Grade F 239 complaints

Aqua Finance, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 35 states, reputation grade F.

Complaints by issue type

What consumers report about Aqua Finance, Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 52.1/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: Aqua Finance, Inc. ranks ahead of 19% of the 5,283 collectors PlainCollector grades - 81% keep a cleaner CFPB record, on 239 all-time complaints and a 80% timely-response rate.

19th pct
reputation rank of 5,283 graded collectors
239
CFPB complaints, all-time
80%
answered inside the CFPB window
84
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Aqua Finance, Inc.?

Aqua Finance, Inc. has accumulated 239 total CFPB complaints across 35 states, with 84 filed in the most recent 12 months against 155 historical complaints before that window. The trailing-12-month volume represents 35.1% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Threatened or suggested your credit would be damaged". The company posts a 80% timely-response rate against a 18% consumer-dispute-after-response rate.

Complaints have been recorded across 35 states, led by Texas with 60 and Florida with 38. Normalized against the full CFPB collector database, the reputation score of 52.1/100 places Aqua Finance, Inc. in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

239

mid-volume (CCDB)

Last 12 months

84

35.1% of all-time complaints

Rising ↑

States active

35

multi-region footprint

Timely response rate

80%

acceptable band

Consumer disputes

18%

average (vertical avg ~19%)

Reputation grade

F

52.1/100 composite

How does Aqua Finance, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

52 Bottom 19% higher than 19% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Aqua Finance, Inc. versus the debt-collection vertical average.

Timely response within SLA 80.4%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 18.2%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 62.5%

Share of US states + territories with at least one filed complaint against this collector.

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

How does Aqua Finance, Inc. compare? Versus a similar-volume peer and the national average, 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.

Complaint Trend (24 months)

2023-08 2026-01

Issue Detail Breakdown

Issue Sub-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

What to do if Aqua Finance, Inc. contacts you

A grade of F signals how Aqua Finance, Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Aqua Finance, Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Aqua Finance, Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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 F (score: 52.1/100), 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).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.