What is the most common complaint against Aspen National Financial, Inc.?

The most common issue consumers report about Aspen National Financial, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 243 complaints filed with the CFPB.

Are complaints against Aspen National Financial, Inc. increasing or decreasing?

Complaints against Aspen National Financial, Inc. are falling. The company received 15 complaints in the last 12 months, showing improvement over prior periods.

What is Aspen National Financial, Inc.'s reputation grade?

Aspen National Financial, Inc. has a reputation grade of D (score: 51.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Aspen National Financial, Inc. respond to consumer complaints?

Aspen National Financial, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 33% of cases.

In how many states does Aspen National Financial, Inc. operate?

Aspen National Financial, Inc. has received CFPB complaints from consumers in 36 states, with the most complaints from Texas (26 complaints).

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

Aspen National Financial, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 36 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

73
Written notification about debt

57
False statements or representation

37
Took or threatened to take negative or legal action

23
Cont'd attempts collect debt not owed

21
Communication tactics

20

Data updated September 2026

CFPB complaint disposition

CCDB record aspen-national-financial-inc Aspen National Financial, Inc.

Grade D · 243 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #460 · compose #3927

VOL 243
GRADE D
12MO 15
STATES 36
TIMELY 100%
DISPUTE 33%
ISSUE Attempts to collect debt n…
RANK #460
COMPOSE #3,927

Volume peers

Nearest volume peer: Smith, Rouchon & Associates, Inc. (244 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Aspen National Financial, Inc.'s 243 CFPB complaints sit next to Smith, Rouchon & Associates, Inc. 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 →

Distributed filing map

Aspen National Financial, Inc. spreads filings across 36 states - Texas leads at only 10.7%

Despite a broad state map, Aspen National Financial, Inc. still sits volume #460 against composite #3,927 - the two RankMaps diverge by 3,467 places. Corpus placement method.

Most-even geography: Lead state under 15%; Texas still leads at 10.7% across 36 states
Seasonal peak: 2025-01 13.8%; 8–15% band · 4 filings
Divergent corpus ranks: #460 volume; #3,927 composite; Cleanest-composite ladder is 3,467 places worse than volume

How does Aspen National Financial, Inc. compare to its peers?

How does Aspen National Financial, 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

Aspen National Financi… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

33%

13%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2019-01 2026-02

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	73
Written notification about debt	57
False statements or representation	37
Took or threatened to take negative or legal action	23
Cont'd attempts collect debt not owed	21
Communication tactics	20
Disclosure verification of debt	7
Improper contact or sharing of info	3
Electronic communications	2

Where do complaints against Aspen National Financial, Inc. come from?

Aspen National Financial, Inc.'s own per-state count, not a national baseline.

Texas

26
California

21
Florida

20
North Carolina

17
New Jersey

16
New York

16
Maryland

14
Pennsylvania

11

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Aspen National Financial, 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: 243.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 100%.

4 peers

Know your rights before responding to Aspen National Financial, 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.