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
Cliff's Finance Co., Inc. — 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 Cliff's Finance Co., Inc.
- Communication tactics
Communication tactics
1 complaints
- Threatened to contact someone or share information improperly
Threatened to contact someone or share information improperly
1 complaints
- Disclosure verification of debt
Disclosure verification of debt
1 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
1 complaints
B
Grade B · 76.5/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about Cliff's Finance Co., Inc.?
Cliff's Finance Co., Inc. has accumulated 4 total CFPB complaints across 1 states, with 0 filed in the most recent 12 months against 4 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 "Communication tactics", narrowing to "You told them to stop contacting you, but they keep trying", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 75% 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 1 states, led by Texas with 4, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 76.5/100 places Cliff's Finance Co., Inc. 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
75%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
B
76.5/100 composite
Response-quality profile
How Cliff's Finance Co., Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 75.0%
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 1.8%
Share of US states + territories with at least one filed complaint against this collector.
How does Cliff's Finance Co., Inc. compare to its peers?
Cliff's Finance Co., I… 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)
2017-04 2023-06
Top Consumer Issues
Communication tactics1 (%)
Threatened to contact someone or share information improperly1 (%)
Disclosure verification of debt1 (%)
Took or threatened to take negative or legal action1 (%)
Most common issue: Communication tactics — You told them to stop contacting you, but they keep trying
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 |
|---|---|---|
| Communication tactics | You told them to stop contacting you, but they keep trying | 1 |
| Threatened to contact someone or share information improperly | Contacted your employer | 1 |
| Disclosure verification of debt | Not given enough info to verify debt | 1 |
| Took or threatened to take negative or legal action | Collected or attempted to collect exempt funds | 1 |
Where do complaints against Cliff's Finance Co., Inc. come from?
The states where consumers have filed the most CFPB complaints against Cliff's Finance Co., Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Cliff's Finance Co., Inc.
Across 1 states with at least one filing
- Texas
Texas
4 complaints
Frequently Asked Questions
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 "Communication tactics", 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. have been stable. The company received 0 complaints in the last 12 months.
What is Cliff's Finance Co., Inc.'s reputation grade? ▼
Cliff's Finance Co., Inc. has a reputation grade of B (score: 76.5/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
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).
What can I do if Cliff's Finance Co., Inc. 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 Cliff's Finance Co., Inc. 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 |