Total CFPB complaints
16
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 16 complaints
AXOS FINANCIAL, INC. — Debt Collector Complaint Profile
CFPB complaint profile across 13 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about AXOS FINANCIAL, INC.
- Written notification about debt
Written notification about debt
4 complaints
- Communication tactics
Communication tactics
4 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
2 complaints
- False statements or representation
False statements or representation
2 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
2 complaints
C
Grade C · 63.0/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about AXOS FINANCIAL, INC.?
AXOS FINANCIAL, INC. has accumulated 16 total CFPB complaints across 13 states, with 5 filed in the most recent 12 months against 11 historical complaints before that window. The trailing-12-month volume represents 31.3% 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 "Written notification about debt", narrowing to "Didn't receive enough information to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% 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 13 states, led by Florida with 3 and Louisiana with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 63.0/100 places AXOS FINANCIAL, INC. in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
5
31.3% of total history
Stable →
States active
13
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
C
63.0/100 composite
Response-quality profile
How AXOS FINANCIAL, INC. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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?
AXOS FINANCIAL, 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)
2021-04 2026-01
Top Consumer Issues
Written notification about debt4 (%)
Communication tactics4 (%)
Attempts to collect debt not owed2 (%)
False statements or representation2 (%)
Took or threatened to take negative or legal action2 (%)
Most common issue: Written notification about debt — Didn't receive enough information to verify debt
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 |
|---|---|---|
| Written notification about debt | Didn't receive enough information to verify debt | 4 |
| Communication tactics | Frequent or repeated calls | 2 |
| Attempts to collect debt not owed | Debt was paid | 1 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 1 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | 1 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 1 |
| Communication tactics | Called before 8am or after 9pm | 1 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 1 |
Where do complaints against AXOS FINANCIAL, INC. come from?
The states where consumers have filed the most CFPB complaints against AXOS FINANCIAL, INC.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against AXOS FINANCIAL, INC.
Across 13 states with at least one filing
- Florida
Florida
3 complaints
- Louisiana 1
Louisiana
1 complaints
- Arizona 1
Arizona
1 complaints
- Ohio 1
Ohio
1 complaints
- Illinois 1
Illinois
1 complaints
- Virginia 1
Virginia
1 complaints
- Texas 1
Texas
1 complaints
- Minnesota 1
Minnesota
1 complaints
Frequently Asked Questions
What is the most common complaint against AXOS FINANCIAL, INC.? ▼
The most common issue consumers report about AXOS FINANCIAL, INC. is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 16 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 5 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). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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).
What can I do if AXOS FINANCIAL, 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 AXOS FINANCIAL, 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 |