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

CFPB complaint data Grade D 84 complaints

CIG Financial LLC - Debt Collector Complaint Profile

CFPB complaint profile across 13 states, reputation grade D.

Complaints by issue type

What consumers report about CIG Financial LLC

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record cig-financial-llc CIG Financial LLC

Grade D · 84 CFPB filings · 99% timely · lead issue: Attempts to collect debt not owed

  • VOL 84
  • GRADE D
  • 12MO 33
  • STATES 13
  • TIMELY 99%
  • DISPUTE 40%
  • ISSUE Attempts to collect debt n…
  • RANK #905
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: ACS Education Services (84 complaints)

ACS Education ServicesACS Education Services84Alexander-Rose Assoc, Inc.Alexander-Rose Assoc, Inc.84Automotive Credit CorporationAutomotive Credit Corporation84Avant Credit CorporationAvant Credit Corporation84CIG Financial LLC (this)CIG Financial LLC (this)84
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

CIG Financial LLC's 84 CFPB complaints sit next to ACS Education Services 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 →

How the 84 complaints break down

Every complaint issue type on record for CIG Financial LLC, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
53.6/100
CIG Financial LLC

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
84
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
99%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
40%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

44.0% of CIG Financial LLC's CFPB filings land in California

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
California 44.0%
37 of 84 filings · 13 states touched
Spike month
2025-09 16.7%
7 filings that month · spiky (≥15% of series)
Corpus ranks
#905 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does CIG Financial LLC compare to its peers?

How does CIG FINANCIAL 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
CIG FINANCIAL LLC National average
Complaints (last 12 mo)lower is better
33
0
268
Timely-response ratehigher is better
99%
99%
91%
Consumer-dispute ratelower is better
40%
23%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy CIG Financial LLC a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 60%70%80%90%100%110% 10%20%30%40%50% Timely response rate (%) Dispute rate (%) CIG Financial LLC vs. 10 similar-volume peers, by response speed and dispute rate CIG Financial LLCAvant Credit CorporationCOLLECTION ASSOCIATES, LTD.AUTOMOTIVE CREDIT CORPORATIONLustig, Glaser & Wilson, P.C.ALEXANDER-ROSE ASSOC, INC.Midstate Collection Solutions, Inc.ACS Education ServicesRodenburg LLPSRA Associates, Inc.Statebridge Company
Source: CFPB Consumer Complaint Database

CIG Financial LLC's complaint volume in context

CIG Financial LLC vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

84 Top 17% higher than 83% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). This entry sits in this band. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. CIG Financial LLC 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
2023-08 2026-01

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
30
Took or threatened to take negative or legal action
21
Written notification about debt
13
False statements or representation
8
Communication tactics
7
Threatened to contact someone or share information improperly
2
Disclosure verification of debt
1
Improper contact or sharing of info
1
Taking/threatening an illegal action
1

Where do complaints against CIG Financial LLC come from?

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

Top states by complaints against CIG Financial LLC

Across 13 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for CIG Financial 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: 84.

4 peers

Know your rights before responding to CIG Financial 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.