Total CFPB complaints
131
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 131 complaints
Ava Finance, Inc — Debt Collector Complaint Profile
CFPB complaint profile across 28 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Ava Finance, Inc
- Attempts to collect debt not owed
Attempts to collect debt not owed
44 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
34 complaints
- False statements or representation
False statements or representation
28 complaints
- Written notification about debt 10
Written notification about debt
10 complaints
- Didn't provide services promised 5
Didn't provide services promised
5 complaints
- Charged upfront or unexpected fees 2
Charged upfront or unexpected fees
2 complaints
F
Grade F · 51.3/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Ava Finance, Inc?
Ava Finance, Inc has accumulated 131 total CFPB complaints across 28 states, with 95 filed in the most recent 12 months against 36 historical complaints before that window. The trailing-12-month volume represents 72.5% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Took or threatened to take negative or legal action", narrowing to "Threatened or suggested your credit would be damaged", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 96% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 28 states, led by Texas with 26 and Florida with 15, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 51.3/100 places Ava Finance, Inc in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
95
72.5% of total history
Rising ↑
States active
28
Distinct state filings
Timely response rate
96%
Within CFPB SLA window
Reputation grade
F
51.3/100 composite
Response-quality profile
How Ava Finance, Inc performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 96.2%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 50.0%
Share of US states + territories with at least one filed complaint against this collector.
How does Ava Finance, Inc compare to its peers?
Ava Finance, Inc National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-03 2026-03
Top Consumer Issues
Took or threatened to take negative or legal action34 (%)
False statements or representation28 (%)
Attempts to collect debt not owed44 (%)
Written notification about debt10 (%)
Didn't provide services promised5 (%)
Charged upfront or unexpected fees2 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 34 |
| False statements or representation | Attempted to collect wrong amount | 28 |
| Attempts to collect debt not owed | Debt was result of identity theft | 18 |
| Attempts to collect debt not owed | Debt is not yours | 17 |
| Written notification about debt | Didn't receive enough information to verify debt | 7 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 5 |
| Didn't provide services promised | — | 5 |
| Attempts to collect debt not owed | Debt was paid | 4 |
| Written notification about debt | Didn't receive notice of right to dispute | 3 |
| Charged upfront or unexpected fees | — | 2 |
Where do complaints against Ava Finance, Inc come from?
The states where consumers have filed the most CFPB complaints against Ava Finance, Inc. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Ava Finance, Inc
Across 28 states with at least one filing
- Texas
Texas
26 complaints
- Florida
Florida
15 complaints
- Georgia 10
Georgia
10 complaints
- California 8
California
8 complaints
- Nevada 6
Nevada
6 complaints
- Illinois 6
Illinois
6 complaints
- Michigan 6
Michigan
6 complaints
- Pennsylvania 5
Pennsylvania
5 complaints
Frequently Asked Questions
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 131 complaints filed with the CFPB.
Are complaints against Ava Finance, Inc increasing or decreasing? ▼
Complaints against Ava Finance, Inc are rising. The company received 95 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: 51.3/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 28 states, with the most complaints from Texas (26 complaints).
What can I do if Ava Finance, Inc is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Ava Finance, Inc violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |