Total CFPB complaints
24
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 24 complaints
CARVANT FINANCIAL LLC — Debt Collector Complaint Profile
CFPB complaint profile across 8 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about CARVANT FINANCIAL LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
8 complaints
- False statements or representation
False statements or representation
6 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
4 complaints
- Written notification about debt 3
Written notification about debt
3 complaints
- Charged upfront or unexpected fees 1
Charged upfront or unexpected fees
1 complaints
- Cont'd attempts collect debt not owed 1
Cont'd attempts collect debt not owed
1 complaints
B
Grade B · 71.1/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about CARVANT FINANCIAL LLC?
CARVANT FINANCIAL LLC has accumulated 24 total CFPB complaints across 8 states, with 7 filed in the most recent 12 months against 17 historical complaints before that window. The trailing-12-month volume represents 29.2% 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 "False statements or representation", narrowing to "Attempted to collect wrong amount", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 96% timely-response rate against a 0% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 8 states, led by New York with 7 and Maryland with 5, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 71.1/100 places CARVANT FINANCIAL LLC in grade band B, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
7
29.2% of total history
Falling ↓
States active
8
Distinct state filings
Timely response rate
96%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
B
71.1/100 composite
Response-quality profile
How CARVANT FINANCIAL LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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 14.3%
Share of US states + territories with at least one filed complaint against this collector.
How does CARVANT FINANCIAL LLC compare to its peers?
CARVANT FINANCIAL LLC 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)
2015-03 2026-03
Top Consumer Issues
False statements or representation6 (%)
Attempts to collect debt not owed8 (%)
Written notification about debt3 (%)
Took or threatened to take negative or legal action4 (%)
Charged upfront or unexpected fees1 (%)
Cont'd attempts collect debt not owed1 (%)
Communication tactics1 (%)
Most common issue: False statements or representation — Attempted to collect wrong amount
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 |
|---|---|---|
| False statements or representation | Attempted to collect wrong amount | 6 |
| Attempts to collect debt not owed | Debt is not yours | 5 |
| Written notification about debt | Didn't receive enough information to verify debt | 3 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 3 |
| Attempts to collect debt not owed | Debt was result of identity theft | 3 |
| Charged upfront or unexpected fees | — | 1 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 1 |
| Communication tactics | Frequent or repeated calls | 1 |
Where do complaints against CARVANT FINANCIAL LLC come from?
The states where consumers have filed the most CFPB complaints against CARVANT FINANCIAL LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against CARVANT FINANCIAL LLC
Across 8 states with at least one filing
- New York
New York
7 complaints
- Maryland
Maryland
5 complaints
- Florida
Florida
4 complaints
- Connecticut
Connecticut
3 complaints
- Pennsylvania 2
Pennsylvania
2 complaints
- Texas 1
Texas
1 complaints
- North Carolina 1
North Carolina
1 complaints
- Tennessee 1
Tennessee
1 complaints
Frequently Asked Questions
What is the most common complaint against CARVANT FINANCIAL LLC? ▼
The most common issue consumers report about CARVANT FINANCIAL LLC is "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 24 complaints filed with the CFPB.
Are complaints against CARVANT FINANCIAL LLC increasing or decreasing? ▼
Complaints against CARVANT FINANCIAL LLC are falling. The company received 7 complaints in the last 12 months, showing improvement over prior periods.
What is CARVANT FINANCIAL LLC's reputation grade? ▼
CARVANT FINANCIAL LLC has a reputation grade of B (score: 71.1/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
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 8 states, with the most complaints from New York (7 complaints).
What can I do if CARVANT FINANCIAL LLC 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 CARVANT FINANCIAL LLC 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 |