What is the most common complaint against Association Financial Services, LLC?

The most common issue consumers report about Association Financial Services, LLC is "Taking/threatening an illegal action", specifically "Debt is not mine". This is based on 4 complaints filed with the CFPB.

Are complaints against Association Financial Services, LLC increasing or decreasing?

Complaints against Association Financial Services, LLC are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Association Financial Services, LLC's reputation grade?

Association Financial Services, LLC has a reputation grade of B (score: 72.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Association Financial Services, LLC respond to consumer complaints?

Association Financial Services, LLC has a 75% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Association Financial Services, LLC operate?

Association Financial Services, LLC has received CFPB complaints from consumers in 1 states, with the most complaints from Florida (4 complaints).

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

Association Financial Services, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 1 states, reputation grade B.

Compiled by PlainCollector

Taking/threatening an illegal action

2
False statements or representation

1
Cont'd attempts collect debt not owed

1

Data updated September 2026

CFPB complaint disposition

CCDB record association-financial-services-llc Association Financial Services, LLC

Grade B · 4 CFPB filings · 75% timely · lead issue: Taking/threatening an illegal action · vol #3294 · compose #1065

VOL 4
GRADE B
12MO 0
STATES 1
TIMELY 75%
DISPUTE 0%
ISSUE Taking/threatening an ille…
RANK #3,294
COMPOSE #1,065

Volume peers

Nearest volume peer: 90 Day Credit Experts (4 complaints)

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

Association Financial Services, LLC's 4 CFPB complaints sit next to 90 Day Credit Experts 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 →

State-heavy filing map

100.0% of Association Financial Services, LLC's CFPB filings land in Florida

High volume does not equal a clean composite: Association Financial Services, LLC is volume #3,294 but composite #1,065, while Florida dominates the geography. Corpus placement method.

Dominant state: Florida 100.0%; 4 of 4 filings · 1 states touched
Spike month: 2017-10 20.0%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #3,294 volume; #1,065 composite; Cleanest-composite ladder is 2,229 places better than volume

How does Association Financial Services, LLC compare to its peers?

How does Association Financial Services, LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Association Financial … National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

75%

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2017-10 2022-11

Issue Detail Breakdown

Issue	Complaints
Taking/threatening an illegal action	2
False statements or representation	1
Cont'd attempts collect debt not owed	1

Where do complaints against Association Financial Services, LLC come from?

Association Financial Services, LLC's own per-state count, not a national baseline.

Florida

4

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Association Financial Services, LLC: 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: 4.

4 peers

Know your rights before responding to Association Financial Services, LLC: 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.