What is the most common complaint against CFAM Financial Services, LLC?

The most common issue consumers report about CFAM Financial Services, LLC is "Attempts to collect debt not owed", specifically "Threatened to arrest you or take you to jail if you do not pay". This is based on 12 complaints filed with the CFPB.

Are complaints against CFAM Financial Services, LLC increasing or decreasing?

Complaints against CFAM Financial Services, LLC are rising. The company received 4 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is CFAM Financial Services, LLC's reputation grade?

CFAM Financial Services, LLC has a reputation grade of F (score: 38.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does CFAM Financial Services, LLC respond to consumer complaints?

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

In how many states does CFAM Financial Services, LLC operate?

CFAM Financial Services, LLC has received CFPB complaints from consumers in 7 states, with the most complaints from California (4 complaints).

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

CFAM Financial Services, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 7 states, reputation grade F.

Compiled by PlainCollector

Attempts to collect debt not owed

5
Took or threatened to take negative or legal action

3
Written notification about debt

1
False statements or representation

1
Cont'd attempts collect debt not owed

1
Taking/threatening an illegal action

1

Data updated September 2026

CFPB complaint disposition

CCDB record cfam-financial-services-llc CFAM Financial Services, LLC

Grade F · 12 CFPB filings · 0% timely · lead issue: Attempts to collect debt not owed · vol #2300 · compose #5001

VOL 12
GRADE F
12MO 4
STATES 7
TIMELY 0%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #2,300
COMPOSE #5,001

Volume peers

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

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

CFAM Financial Services, LLC'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

33.3% of CFAM Financial Services, LLC's CFPB filings land in California

High volume does not equal a clean composite: CFAM Financial Services, LLC is volume #2,300 but composite #5,001, while California dominates the geography. Corpus placement method.

Dominant state: California 33.3%; 4 of 12 filings · 7 states touched
Spike month: 2025-09 26.3%; 5 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #2,300 volume; #5,001 composite; Cleanest-composite ladder is 2,701 places worse than volume

How does CFAM Financial Services, LLC compare to its peers?

How does CFAM Financial Services, 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

CFAM Financial Service… 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)

2024-03 2026-01

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	5
Took or threatened to take negative or legal action	3
Written notification about debt	1
False statements or representation	1
Cont'd attempts collect debt not owed	1
Taking/threatening an illegal action	1

Where do complaints against CFAM Financial Services, LLC come from?

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

California

4
Kentucky

2
Pennsylvania

2
Georgia

1
Louisiana

1
New York

1
Virginia

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for CFAM Financial Services, 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: 12.

4 peers

Know your rights before responding to CFAM Financial Services, 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.