What is the most common complaint against Ava Finance, Inc?

The most common issue consumers report about Ava Finance, Inc is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 189 complaints filed with the CFPB.

Are complaints against Ava Finance, Inc increasing or decreasing?

Complaints against Ava Finance, Inc are rising. The company received 136 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Ava Finance, Inc's reputation grade?

Ava Finance, Inc has a reputation grade of F (score: 47.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Ava Finance, Inc respond to consumer complaints?

Ava Finance, Inc has a 96% timely response rate to CFPB complaints.

In how many states does Ava Finance, Inc operate?

Ava Finance, Inc has received CFPB complaints from consumers in 29 states, with the most complaints from Texas (45 complaints).

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

Ava Finance, Inc - Debt Collector Complaint Profile

CFPB complaint profile across 29 states, reputation grade F.

Compiled by PlainCollector

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

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 #565 · compose #4342

VOL 189
GRADE F
12MO 136
STATES 29
TIMELY 96%
ISSUE Took or threatened to take…
RANK #565
COMPOSE #4,342

Volume peers

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

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 →

Filing geometry

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

Volume rank #565 and composite rank #4,342 diverge by 3,777 places on PlainCollector's CFPB-derived corpus maps. 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
Divergent corpus ranks: #565 volume; #4,342 composite; Cleanest-composite ladder is 3,777 places worse than volume

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

268

Timely-response ratehigher is better

96%

97%

91%

Consumer-dispute ratelower is better

17%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Texas

45
Florida

16
New York

13
Georgia

12
Illinois

9
Nevada

9
California

7
Ohio

7

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.