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

CFPB complaint data Grade F 189 complaints

Ava Finance, Inc - Debt Collector Complaint Profile

CFPB complaint profile across 29 states, reputation grade F.

Complaints by issue type

What consumers report about Ava Finance, Inc

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

Data updated September 2026

CFPB complaint disposition

CCDB record ava-finance-inc Ava Finance, Inc

Grade F · 189 CFPB filings · 96% timely · lead issue: Took or threatened to take negative or legal action

  • VOL 189
  • GRADE F
  • 12MO 136
  • STATES 29
  • TIMELY 96%
  • ISSUE Took or threatened to take…
  • RANK #565
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Galaxy Capital Acquisitions, LLC (189 complaints)

Galaxy Capital Acquisitions, LLCGalaxy Capital Acquisitions,…189National Commercial Services, IncNational Commercial Services…189Ava Finance, Inc (this)Ava Finance, Inc (this)189D2 Management LLCD2 Management LLC190Professional Placement Services, LLCProfessional Placement Servi…190
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Ava Finance, Inc's 189 CFPB complaints sit next to Galaxy Capital Acquisitions, LLC 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 189 complaints break down

Every complaint issue type on record for Ava Finance, Inc, not just the top ones shown above.

Reputation score breakdown

F
Composite reputation score
47.8/100
Ava Finance, 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
189
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
96%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate N/A
N/A
No dispute rate reported.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

Texas is the plurality state for Ava Finance, Inc (23.8%)

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Plurality state
Texas 23.8%
Mid-band (15–30%) · 29 states with ≥1 filing
Seasonal peak
2024-04 14.3%
8–15% band · 6 filings
Corpus ranks
#565 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Ava Finance, Inc compare to its peers?

How does Ava Finance, 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
Ava Finance, Inc National average
Complaints (last 12 mo)lower is better
136
29
268
Timely-response ratehigher is better
96%
97%
91%
Consumer-dispute ratelower is better
0%
17%
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 Ava Finance, Inc a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 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 0%20%40%60%80%100%120% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Ava Finance, Inc vs. 10 similar-volume peers, by response speed and dispute rate Galaxy Capital Acquisitions, LLCNational Commercial Services, IncVan Ru Credit CorporationProfessional Placement Services, LLCD2 Management LLCCawley & Bergmann, LLPRevenue Recovery CorporationCredit Collections U.S.A., L.L.C.Collins Asset Group, LLCGREAT LAKES
Source: CFPB Consumer Complaint Database

Ava Finance, Inc's complaint volume in context

Ava Finance, 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)

189 Top 10% higher than 90% 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%). This entry sits in this band. 200–220: 536 collectors (10%). Above this entry. Ava Finance, 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)

Rising ↑
2023-04 2025-10

Issue Detail Breakdown

Issue Complaints
Took or threatened to take negative or legal action
76
Attempts to collect debt not owed
61
False statements or representation
36
Written notification about debt
13
Electronic communications
2
Threatened to contact someone or share information improperly
1

Where do complaints against Ava Finance, Inc come from?

Ava Finance, Inc's own per-state count, not a national baseline.

Top states by complaints against Ava Finance, Inc

Across 29 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 Ava Finance, 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: 189.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 96.18320610687023%.

4 peers

Know your rights before responding to Ava Finance, 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.