What is the most common complaint against Cardinal Financial Company, Limited Partnership?

The most common issue consumers report about Cardinal Financial Company, Limited Partnership is "Attempts to collect debt not owed", specifically "Attempted to collect wrong amount". This is based on 12 complaints filed with the CFPB.

What is Cardinal Financial Company, Limited Partnership's reputation grade?

Cardinal Financial Company, Limited Partnership has a reputation grade of A (score: 73.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Cardinal Financial Company, Limited Partnership respond to consumer complaints?

Cardinal Financial Company, Limited Partnership has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Cardinal Financial Company, Limited Partnership operate?

Cardinal Financial Company, Limited Partnership has received CFPB complaints from consumers in 8 states, with the most complaints from Texas (5 complaints).

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

Cardinal Financial Company, Limited Partnership - Debt Collector Complaint Profile

Q: Are complaints against Cardinal Financial Company, Limited Partnership increasing or decreasing?

Complaints against Cardinal Financial Company, Limited Partnership are falling. The company received 1 complaints in the last 12 months, showing improvement over prior periods.

CFPB complaint profile across 8 states, reputation grade A.

Compiled by PlainCollector

Attempts to collect debt not owed

4
False statements or representation

2
Communication tactics

2
Taking/threatening an illegal action

2
Written notification about debt

1
Took or threatened to take negative or legal action

1

Data updated September 2026

CFPB complaint disposition

CCDB record cardinal-financial-company-limited-partnership Cardinal Financial Company, Limited Partnership

Grade A · 12 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #2299 · compose #1039

VOL 12
GRADE A
12MO 1
STATES 8
TIMELY 100%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #2,299
COMPOSE #1,039

Volume peers

Nearest volume peer: 1803 Capital, LLC (12 complaints)

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

Cardinal Financial Company, Limited Partnership's 12 CFPB complaints sit next to 1803 Capital, LLC 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 →

State-heavy filing map

41.7% of Cardinal Financial Company, Limited Partnership's CFPB filings land in Texas

High volume does not equal a clean composite: Cardinal Financial Company, Limited Partnership is volume #2,299 but composite #1,039, while Texas dominates the geography. Corpus placement method.

Dominant state: Texas 41.7%; 5 of 12 filings · 8 states touched
Spike month: 2024-02 15.0%; 3 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #2,299 volume; #1,039 composite; Cleanest-composite ladder is 1,260 places better than volume

How does Cardinal Financial Company, Limited Partnership compare to its peers?

How does CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

CARDINAL FINANCIAL COM… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-05 2024-11

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	4
False statements or representation	2
Communication tactics	2
Taking/threatening an illegal action	2
Written notification about debt	1
Took or threatened to take negative or legal action	1

Where do complaints against Cardinal Financial Company, Limited Partnership come from?

Cardinal Financial Company, Limited Partnership's own per-state count, not a national baseline.

Texas

5
Arizona

1
Arkansas

1
California

1
Florida

1
Georgia

1
Indiana

1
Washington

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Cardinal Financial Company, Limited Partnership: 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: 12.

4 peers

Know your rights before responding to Cardinal Financial Company, Limited Partnership: 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.