Total CFPB complaints
10
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 10 complaints
CFAM Financial Services, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 7 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about CFAM Financial Services, LLC
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
3 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
3 complaints
- Cont'd attempts collect debt not owed 1
Cont'd attempts collect debt not owed
1 complaints
- False statements or representation 1
False statements or representation
1 complaints
- Written notification about debt 1
Written notification about debt
1 complaints
- Taking/threatening an illegal action 1
Taking/threatening an illegal action
1 complaints
F
Grade F · 43.0/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about CFAM Financial Services, LLC?
CFAM Financial Services, LLC has accumulated 10 total CFPB complaints across 7 states, with 2 filed in the most recent 12 months against 8 historical complaints before that window. The trailing-12-month volume represents 20.0% 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 "Took or threatened to take negative or legal action", narrowing to "Threatened to arrest you or take you to jail if you do not pay", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 0% 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 7 states, led by California with 2 and Pennsylvania with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 43.0/100 places CFAM Financial Services, LLC in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
2
20.0% of total history
Rising ↑
States active
7
Distinct state filings
Timely response rate
0%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
F
43.0/100 composite
Response-quality profile
How CFAM Financial Services, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 0.0%
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 12.5%
Share of US states + territories with at least one filed complaint against this collector.
How does CFAM Financial Services, LLC compare to its peers?
CFAM Financial Service… 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)
2016-03 2025-12
Top Consumer Issues
Took or threatened to take negative or legal action3 (%)
Attempts to collect debt not owed3 (%)
Cont'd attempts collect debt not owed1 (%)
False statements or representation1 (%)
Written notification about debt1 (%)
Taking/threatening an illegal action1 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
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 |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | 1 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
| Cont'd attempts collect debt not owed | Debt resulted from identity theft | 1 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Written notification about debt | Didn't receive notice of right to dispute | 1 |
| Took or threatened to take negative or legal action | Collected or attempted to collect exempt funds | 1 |
| Taking/threatening an illegal action | Sued w/o proper notification of suit | 1 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 1 |
Where do complaints against CFAM Financial Services, LLC come from?
The states where consumers have filed the most CFPB complaints against CFAM Financial Services, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against CFAM Financial Services, LLC
Across 7 states with at least one filing
- California
California
2 complaints
- Pennsylvania
Pennsylvania
2 complaints
- Kentucky
Kentucky
2 complaints
- Georgia
Georgia
1 complaints
- Louisiana
Louisiana
1 complaints
- New York
New York
1 complaints
- Virginia
Virginia
1 complaints
Frequently Asked Questions
What is the most common complaint against CFAM Financial Services, LLC? ▼
The most common issue consumers report about CFAM Financial Services, LLC is "Took or threatened to take negative or legal action", specifically "Threatened to arrest you or take you to jail if you do not pay". This is based on 10 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 2 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: 43.0/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 (2 complaints).
What can I do if CFAM Financial Services, 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 CFAM Financial Services, 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 |