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

Data updated July 2026

D

Grade D · 54.9/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

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

The verdict

A reputation grade of D: Aspen National Financial, Inc. ranks ahead of 25% of the 5,283 collectors PlainCollector grades - 75% keep a cleaner CFPB record, on 243 all-time complaints and a 100% timely-response rate.

25th pct
reputation rank of 5,283 graded collectors
243
CFPB complaints, all-time
100%
answered inside the CFPB window
15
in the last 12 months (falling)

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 Aspen National Financial, Inc.?

Aspen National Financial, Inc. has accumulated 243 total CFPB complaints across 36 states, with 15 filed in the most recent 12 months against 228 historical complaints before that window. The trailing-12-month volume represents 6.2% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 100% timely-response rate against a 33% consumer-dispute-after-response rate.

Complaints have been recorded across 36 states, led by Texas with 26 and California with 21. Normalized against the full CFPB collector database, the reputation score of 54.9/100 places Aspen National Financial, Inc. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

243

mid-volume (CCDB)

Last 12 months

15

6.2% of all-time complaints

Falling ↓

States active

36

multi-region footprint

Timely response rate

100%

excellent band

Consumer disputes

33%

high (vertical avg ~19%)

Reputation grade

D

54.9/100 composite

How does Aspen National Financial, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

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

55 Bottom 25% higher than 25% 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

Aspen National Financial, Inc. versus the debt-collection vertical average.

Timely response within SLA 100.0%
Vertical avg

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

Consumer dispute rate (post-response) 33.3%
Vertical avg

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

State coverage breadth 64.3%

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

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, drawn from 10 collectors with a comparable complaint count
Aspen National Financi… 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.

Complaint Trend (24 months)

2019-01 2026-02

Issue Detail Breakdown

Issue Sub-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

What to do if Aspen National Financial, Inc. contacts you

A grade of D signals how Aspen National Financial, 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 Aspen National Financial, 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 Aspen National Financial, 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 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: 54.9/100), 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).

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.