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

CFPB complaint data Grade B 27 complaints

Carvant Financial LLC - Debt Collector Complaint Profile

CFPB complaint profile across 11 states, reputation grade B.

Complaints by issue type

What consumers report about Carvant Financial LLC

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

B

Grade B · 71.1/100 composite

This collector has a good complaint record with relatively few complaints and responsive customer service.

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

The verdict

A reputation grade of B: Carvant Financial LLC ranks ahead of 70% of the 5,283 collectors PlainCollector grades - 30% keep a cleaner CFPB record, on 27 all-time complaints and a 96% timely-response rate.

70th pct
reputation rank of 5,283 graded collectors
27
CFPB complaints, all-time
96%
answered inside the CFPB window
9
in the last 12 months (rising)

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 Carvant Financial LLC?

Carvant Financial LLC has accumulated 27 total CFPB complaints across 11 states, with 9 filed in the most recent 12 months against 18 historical complaints before that window. The trailing-12-month volume represents 33.3% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Attempted to collect wrong amount". The company posts a 96% timely-response rate against a 0% consumer-dispute-after-response rate.

Complaints have been recorded across 11 states, led by New York with 7 and Maryland with 6. Normalized against the full CFPB collector database, the reputation score of 71.1/100 places Carvant Financial LLC in grade band B.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

27

low-volume (CCDB)

Last 12 months

9

33.3% of all-time complaints

Rising ↑

States active

11

regional footprint

Timely response rate

96%

excellent band

Consumer disputes

0%

low (vertical avg ~19%)

Reputation grade

B

71.1/100 composite

How does Carvant Financial LLC's reputation rank nationally?

Reputation score vs. every graded collector

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

71 70th percentile higher than 70% 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%). Below this entry. 70–80: 871 graded collectors (16%). This entry sits in this band. 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

Carvant Financial LLC versus the debt-collection vertical average.

Timely response within SLA 95.8%
Vertical avg

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

Consumer dispute rate (post-response) 0.0%
Vertical avg

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

State coverage breadth 19.6%

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

How does Carvant Financial LLC compare to its peers?

How does CARVANT FINANCIAL LLC compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
CARVANT FINANCIAL LLC National average
Complaints (last 12 mo)lower is better
9
7
268
Timely-response ratehigher is better
96%
96%
91%
Consumer-dispute ratelower is better
0%
8%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2022-04 2026-02

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 9
Took or threatened to take negative or legal action - 6
False statements or representation - 6
Written notification about debt - 3
Communication tactics - 2
Cont'd attempts collect debt not owed - 1

Where do complaints against Carvant Financial LLC come from?

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

Top states by complaints against Carvant Financial LLC

Across 11 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Carvant Financial LLC contacts you

A grade of B signals how Carvant 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 Carvant 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 Carvant 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 Carvant Financial LLC? ▼

The most common issue consumers report about Carvant Financial LLC is "Attempts to collect debt not owed", specifically "Attempted to collect wrong amount". This is based on 27 complaints filed with the CFPB.

Are complaints against Carvant Financial LLC increasing or decreasing? ▼

Complaints against Carvant Financial LLC are rising. The company received 9 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Carvant Financial LLC's reputation grade? ▼

Carvant Financial LLC has a reputation grade of B (score: 71.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Carvant Financial LLC respond to consumer complaints? ▼

Carvant Financial LLC has a 96% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Carvant Financial LLC operate? ▼

Carvant Financial LLC has received CFPB complaints from consumers in 11 states, with the most complaints from New York (7 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.