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

CFPB complaint data Grade F 44 complaints

BAM Financial, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 20 states, reputation grade F.

Complaints by issue type

What consumers report about BAM Financial, LLC

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 47.3/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

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

The verdict

A reputation grade of F: BAM Financial, LLC ranks ahead of 10% of the 5,283 collectors PlainCollector grades - 90% keep a cleaner CFPB record, on 44 all-time complaints and a 61% timely-response rate.

10th pct
reputation rank of 5,283 graded collectors
44
CFPB complaints, all-time
61%
answered inside the CFPB window
0
in the last 12 months (falling)

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 BAM Financial, LLC?

BAM Financial, LLC has accumulated 44 total CFPB complaints across 20 states, with 0 filed in the most recent 12 months against 44 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Taking/threatening an illegal action", narrowing to "Debt is not mine". The company posts a 61% timely-response rate against a 34% consumer-dispute-after-response rate.

Complaints have been recorded across 20 states, led by California with 9 and Texas with 6. Normalized against the full CFPB collector database, the reputation score of 47.3/100 places BAM Financial, LLC in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

44

low-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

20

multi-region footprint

Timely response rate

61%

below sla band

Consumer disputes

34%

high (vertical avg ~19%)

Reputation grade

F

47.3/100 composite

How does BAM Financial, LLC's reputation rank nationally?

Reputation score vs. every graded collector

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

47 Bottom 10% higher than 10% 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%). This entry sits in this band. 50–60: 1,469 graded collectors (28%). Above this entry. 60–70: 1,364 graded collectors (26%). Above this entry. 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

BAM Financial, LLC versus the debt-collection vertical average.

Timely response within SLA 61.4%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 34.1%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 35.7%

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

How does BAM Financial, LLC compare to its peers?

How does BAM Financial, LLC compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
BAM Financial, LLC National average
Complaints (last 12 mo)lower is better
0
0
268
Timely-response ratehigher is better
61%
94%
91%
Consumer-dispute ratelower is better
34%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-02 2026-03

Issue Detail Breakdown

Issue Sub-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.

Top states by complaints against BAM Financial, LLC

Across 20 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if BAM Financial, LLC contacts you

A grade of F signals how BAM Financial, LLC'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 BAM Financial, LLC 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 BAM Financial, LLC 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 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: 47.3/100), 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).

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.