What is the most common complaint against BAM Financial, LLC?

The most common issue consumers report about BAM Financial, LLC is "Taking/threatening an illegal action", specifically "Debt is not mine". This is based on 44 complaints filed with the CFPB.

Are complaints against BAM Financial, LLC increasing or decreasing?

Complaints against BAM Financial, LLC are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is BAM Financial, LLC's reputation grade?

BAM Financial, LLC has a reputation grade of F (score: 43.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does BAM Financial, LLC respond to consumer complaints?

BAM Financial, LLC has a 61% timely response rate to CFPB complaints. Consumers disputed the company's response in 34% of cases.

In how many states does BAM Financial, LLC operate?

BAM Financial, LLC has received CFPB complaints from consumers in 20 states, with the most complaints from California (9 complaints).

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

BAM Financial, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 20 states, reputation grade F.

Compiled by PlainCollector

Taking/threatening an illegal action

11
Communication tactics

10
Cont'd attempts collect debt not owed

9
Improper contact or sharing of info

6
False statements or representation

5
Disclosure verification of debt

3

Data updated September 2026

CFPB complaint disposition

CCDB record bam-financial-llc BAM Financial, LLC

Grade F · 44 CFPB filings · 61% timely · lead issue: Taking/threatening an illegal action · vol #1280 · compose #4809

VOL 44
GRADE F
12MO 0
STATES 20
TIMELY 61%
DISPUTE 34%
ISSUE Taking/threatening an ille…
RANK #1,280
COMPOSE #4,809

Volume peers

Nearest volume peer: ADP Inc. (44 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

BAM Financial, LLC's 44 CFPB complaints sit next to ADP Inc. 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

California is the plurality state for BAM Financial, LLC (20.5%)

Volume rank #1,280 and composite rank #4,809 diverge by 3,529 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: California 20.5%; Mid-band (15–30%) · 20 states with ≥1 filing
Seasonal peak: 2024-07 12.8%; 8–15% band · 6 filings
Divergent corpus ranks: #1,280 volume; #4,809 composite; Cleanest-composite ladder is 3,529 places worse than volume

How does BAM Financial, LLC compare to its peers?

How does BAM Financial, LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

BAM Financial, LLC National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

61%

94%

91%

Consumer-dispute ratelower is better

34%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-02 2026-03

Issue Detail Breakdown

Issue	Complaints
Taking/threatening an illegal action	11
Communication tactics	10
Cont'd attempts collect debt not owed	9
Improper contact or sharing of info	6
False statements or representation	5
Disclosure verification of debt	3

Where do complaints against BAM Financial, LLC come from?

BAM Financial, LLC's own per-state count, not a national baseline.

California

9
Texas

6
Florida

5
New Jersey

4
Pennsylvania

3
Arizona

2
North Carolina

2
Arkansas

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for BAM Financial, LLC: 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: 44.

4 peers

Know your rights before responding to BAM Financial, LLC: 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.