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

CFPB complaint data Grade D 243 complaints

Aspen National Financial, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 36 states, reputation grade D.

Complaints by issue type

What consumers report about Aspen National Financial, Inc.

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

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 #341

  • VOL 243
  • GRADE D
  • 12MO 15
  • STATES 36
  • TIMELY 100%
  • DISPUTE 33%
  • ISSUE Attempts to collect debt n…
  • RANK #460
  • COMPOSE #341

Volume peers

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

Bliksum, LLCBliksum, LLC242Medical-Commercial Audit IncMedical-Commercial Audit Inc242Aspen National Financial, Inc. (this)Aspen National Financial, In…243Smith, Rouchon & Associates, Inc.Smith, Rouchon & Associates,…244Nationwide Credit & Collection, Inc.Nationwide Credit & Collecti…245
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 →

How the 243 complaints break down

Every complaint issue type on record for Aspen National Financial, Inc., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
51.6/100
Aspen National Financial, 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
243
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
33%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

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

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. 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
Corpus ranks
#460 volume
#341 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

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 Financial, Inc. National average
Complaints (last 12 mo)lower is better
15
71
268
Timely-response ratehigher is better
100%
100%
91%
Consumer-dispute ratelower is better
33%
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 Aspen National Financial, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 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% Timely response rate (%) Dispute rate (%) Aspen National Financial, Inc. vs. 8 similar-volume peers, by response speed and dispute rate Aspen National Financial, Inc.SMITH, ROUCHON & ASSOCIATES, INC.Bliksum, LLCMedical-Commercial Audit IncNationwide Credit & Collection, Inc.Merchants and Professional Bureau, Inc.Altisource Portfolio Solutions, S.à r.l.Aqua Finance, Inc.World Omni Financial Corp.
Source: CFPB Consumer Complaint Database

Aspen National Financial, Inc.'s complaint volume in context

Aspen National Financial, 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)

243 Top 8% higher than 92% 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. Aspen National Financial, 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)

Falling ↓
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.

Top states by complaints against Aspen National Financial, Inc.

Across 36 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 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.