What is the most common complaint against Cliff's Finance Co., Inc.?

The most common issue consumers report about Cliff's Finance Co., Inc. is "Took or threatened to take negative or legal action", specifically "You told them to stop contacting you, but they keep trying". This is based on 4 complaints filed with the CFPB.

Are complaints against Cliff's Finance Co., Inc. increasing or decreasing?

Complaints against Cliff's Finance Co., Inc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Cliff's Finance Co., Inc.'s reputation grade?

Cliff's Finance Co., Inc. has a reputation grade of B (score: 72.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Cliff's Finance Co., Inc. respond to consumer complaints?

Cliff's Finance Co., Inc. has a 75% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Cliff's Finance Co., Inc. operate?

Cliff's Finance Co., Inc. has received CFPB complaints from consumers in 1 states, with the most complaints from Texas (4 complaints).

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

Cliff's Finance Co., Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 1 states, reputation grade B.

Compiled by PlainCollector

Took or threatened to take negative or legal action

1
Communication tactics

1
Disclosure verification of debt

1
Threatened to contact someone or share information improperly

1

Data updated September 2026

CFPB complaint disposition

CCDB record cliff-s-finance-co-inc Cliff's Finance Co., Inc.

Grade B · 4 CFPB filings · 75% timely · lead issue: Took or threatened to take negative or legal action · vol #3325 · compose #1068

VOL 4
GRADE B
12MO 0
STATES 1
TIMELY 75%
DISPUTE 0%
ISSUE Took or threatened to take…
RANK #3,325
COMPOSE #1,068

Volume peers

Nearest volume peer: 90 Day Credit Experts (4 complaints)

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

Cliff's Finance Co., Inc.'s 4 CFPB complaints sit next to 90 Day Credit Experts 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

100.0% of Cliff's Finance Co., Inc.'s CFPB filings land in Texas

High volume does not equal a clean composite: Cliff's Finance Co., Inc. is volume #3,325 but composite #1,068, while Texas dominates the geography. Corpus placement method.

Dominant state: Texas 100.0%; 4 of 4 filings · 1 states touched
Spike month: 2015-09 40.0%; 2 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #3,325 volume; #1,068 composite; Cleanest-composite ladder is 2,257 places better than volume

How does Cliff's Finance Co., Inc. compare to its peers?

How does Cliff's Finance Co., Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Cliff's Finance Co., I… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

75%

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-05 2016-05

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	1
Communication tactics	1
Disclosure verification of debt	1
Threatened to contact someone or share information improperly	1

Where do complaints against Cliff's Finance Co., Inc. come from?

Cliff's Finance Co., Inc.'s own per-state count, not a national baseline.

Texas

4

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Cliff's Finance Co., Inc.: 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: 4.

4 peers

Know your rights before responding to Cliff's Finance Co., Inc.: 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.