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

CFPB complaint data Grade C 17 complaints

Axos Financial, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 13 states, reputation grade C.

Complaints by issue type

What consumers report about Axos Financial, Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 63.0/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

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

The verdict

A reputation grade of C: Axos Financial, Inc. ranks ahead of 52% of the 5,283 collectors PlainCollector grades - 48% keep a cleaner CFPB record, on 17 all-time complaints and a 100% timely-response rate.

52nd pct
reputation rank of 5,283 graded collectors
17
CFPB complaints, all-time
100%
answered inside the CFPB window
4
in the last 12 months (stable)

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 Axos Financial, Inc.?

Axos Financial, Inc. has accumulated 17 total CFPB complaints across 13 states, with 4 filed in the most recent 12 months against 13 historical complaints before that window. The trailing-12-month volume represents 23.5% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "Didn't receive enough information to verify debt". The company posts a 100% timely-response rate.

Complaints have been recorded across 13 states, led by Florida with 3 and South Carolina with 2. Normalized against the full CFPB collector database, the reputation score of 63.0/100 places Axos Financial, Inc. in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

17

low-volume (CCDB)

Last 12 months

4

23.5% of all-time complaints

Stable →

States active

13

regional footprint

Timely response rate

100%

excellent band

Reputation grade

C

63.0/100 composite

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

Reputation score vs. every graded collector

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

63 52nd percentile higher than 52% 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%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 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

Axos 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.

State coverage breadth 23.2%

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

How does Axos Financial, Inc. compare to its peers?

How does AXOS FINANCIAL, INC. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
AXOS FINANCIAL, INC. National average
Complaints (last 12 mo)lower is better
4
0
268
Timely-response ratehigher is better
100%
100%
91%
Consumer-dispute ratelower is better
0%
18%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-02 2019-11

Issue Detail Breakdown

Issue Sub-Issue Complaints
Communication tactics - 5
Written notification about debt - 4
Attempts to collect debt not owed - 3
Took or threatened to take negative or legal action - 3
False statements or representation - 2

Where do complaints against Axos Financial, Inc. come from?

Axos Financial, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Axos Financial, Inc.

Across 13 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Axos Financial, Inc. contacts you

A grade of C signals how Axos 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 Axos 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 Axos 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 Axos Financial, Inc.? ▼

The most common issue consumers report about Axos Financial, Inc. is "Communication tactics", specifically "Didn't receive enough information to verify debt". This is based on 17 complaints filed with the CFPB.

Are complaints against Axos Financial, Inc. increasing or decreasing? ▼

Complaints against Axos Financial, Inc. have been stable. The company received 4 complaints in the last 12 months.

What is Axos Financial, Inc.'s reputation grade? ▼

Axos Financial, Inc. has a reputation grade of C (score: 63.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Axos Financial, Inc. respond to consumer complaints? ▼

Axos Financial, Inc. has a 100% timely response rate to CFPB complaints.

In how many states does Axos Financial, Inc. operate? ▼

Axos Financial, Inc. has received CFPB complaints from consumers in 13 states, with the most complaints from Florida (3 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.