Total CFPB complaints
9
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 9 complaints
Client Financial Services of Michigan LLC — Debt Collector Complaint Profile
CFPB complaint profile across 1 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Client Financial Services of Michigan LLC
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
4 complaints
- Written notification about debt
Written notification about debt
2 complaints
- False statements or representation 1
False statements or representation
1 complaints
- Attempts to collect debt not owed 1
Attempts to collect debt not owed
1 complaints
- Improper contact or sharing of info 1
Improper contact or sharing of info
1 complaints
B
Grade B · 74.4/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about Client Financial Services of Michigan LLC?
Client Financial Services of Michigan LLC has accumulated 9 total CFPB complaints across 1 states, with 0 filed in the most recent 12 months against 9 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Cont'd attempts collect debt not owed", narrowing to "Debt was paid", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 20% 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 1 states, led by Michigan with 9, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 74.4/100 places Client Financial Services of Michigan 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
0
0.0% of total history
Stable →
States active
1
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
20%
After company response
Reputation grade
B
74.4/100 composite
Response-quality profile
How Client Financial Services of Michigan LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 40.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 1.8%
Share of US states + territories with at least one filed complaint against this collector.
How does Client Financial Services of Michigan LLC compare to its peers?
Client Financial Servi… 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)
2014-04 2023-02
Top Consumer Issues
Cont'd attempts collect debt not owed4 (%)
False statements or representation1 (%)
Attempts to collect debt not owed1 (%)
Written notification about debt2 (%)
Improper contact or sharing of info1 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt was paid
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 |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt was paid | 2 |
| Cont'd attempts collect debt not owed | Debt is not mine | 2 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
| Written notification about debt | Didn't receive notice of right to dispute | 1 |
| Improper contact or sharing of info | Talked to a third party about my debt | 1 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
Where do complaints against Client Financial Services of Michigan LLC come from?
The states where consumers have filed the most CFPB complaints against Client Financial Services of Michigan LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Client Financial Services of Michigan LLC
Across 1 states with at least one filing
- Michigan
Michigan
9 complaints
Frequently Asked Questions
What is the most common complaint against Client Financial Services of Michigan LLC? ▼
The most common issue consumers report about Client Financial Services of Michigan LLC is "Cont'd attempts collect debt not owed", specifically "Debt was paid". This is based on 9 complaints filed with the CFPB.
Are complaints against Client Financial Services of Michigan LLC increasing or decreasing? ▼
Complaints against Client Financial Services of Michigan LLC have been stable. The company received 0 complaints in the last 12 months.
What is Client Financial Services of Michigan LLC's reputation grade? ▼
Client Financial Services of Michigan LLC has a reputation grade of B (score: 74.4/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does Client Financial Services of Michigan LLC respond to consumer complaints? ▼
Client Financial Services of Michigan LLC has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 20% of cases.
In how many states does Client Financial Services of Michigan LLC operate? ▼
Client Financial Services of Michigan LLC has received CFPB complaints from consumers in 1 states, with the most complaints from Michigan (9 complaints).
What can I do if Client Financial Services of Michigan 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 Client Financial Services of Michigan 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 |