Total CFPB complaints
4
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 4 complaints
CFS ACCEPTANCE — Debt Collector Complaint Profile
CFPB complaint profile across 4 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about CFS ACCEPTANCE
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
2 complaints
- Taking/threatening an illegal action
Taking/threatening an illegal action
1 complaints
- Threatened to contact someone or share information improperly
Threatened to contact someone or share information improperly
1 complaints
F
Grade F · 49.5/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about CFS ACCEPTANCE?
CFS ACCEPTANCE has accumulated 4 total CFPB complaints across 4 states, with 3 filed in the most recent 12 months against 1 historical complaints before that window. The trailing-12-month volume represents 75.0% 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 sue you for very old debt", 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 4 states, led by Oregon with 1 and Nebraska with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 49.5/100 places CFS ACCEPTANCE 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
3
75.0% of total history
Rising ↑
States active
4
Distinct state filings
Timely response rate
0%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
F
49.5/100 composite
Response-quality profile
How CFS ACCEPTANCE 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 7.1%
Share of US states + territories with at least one filed complaint against this collector.
How does CFS ACCEPTANCE compare to its peers?
CFS ACCEPTANCE 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)
2016-04 2025-09
Top Consumer Issues
Took or threatened to take negative or legal action2 (%)
Taking/threatening an illegal action1 (%)
Threatened to contact someone or share information improperly1 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
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 sue you for very old debt | 2 |
| Taking/threatening an illegal action | Threatened to sue on too old debt | 1 |
| Threatened to contact someone or share information improperly | Contacted you after you asked them to stop | 1 |
Where do complaints against CFS ACCEPTANCE come from?
The states where consumers have filed the most CFPB complaints against CFS ACCEPTANCE. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against CFS ACCEPTANCE
Across 4 states with at least one filing
- Oregon
Oregon
1 complaints
- Nebraska
Nebraska
1 complaints
- Idaho
Idaho
1 complaints
- Illinois
Illinois
1 complaints
Frequently Asked Questions
What is the most common complaint against CFS ACCEPTANCE? ▼
The most common issue consumers report about CFS ACCEPTANCE is "Took or threatened to take negative or legal action", specifically "Threatened to sue you for very old debt". This is based on 4 complaints filed with the CFPB.
Are complaints against CFS ACCEPTANCE increasing or decreasing? ▼
Complaints against CFS ACCEPTANCE are rising. The company received 3 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is CFS ACCEPTANCE's reputation grade? ▼
CFS ACCEPTANCE has a reputation grade of F (score: 49.5/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does CFS ACCEPTANCE respond to consumer complaints? ▼
CFS ACCEPTANCE has a 0% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does CFS ACCEPTANCE operate? ▼
CFS ACCEPTANCE has received CFPB complaints from consumers in 4 states, with the most complaints from Oregon (1 complaints).
What can I do if CFS ACCEPTANCE 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 CFS ACCEPTANCE 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 |