Total CFPB complaints
1,759
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 1,759 complaints
CMRE Financial Services, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 45 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about CMRE Financial Services, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
610 complaints
- Written notification about debt
Written notification about debt
299 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
295 complaints
- False statements or representation 140
False statements or representation
140 complaints
- Disclosure verification of debt 76
Disclosure verification of debt
76 complaints
- Took or threatened to take negative or legal action 56
Took or threatened to take negative or legal action
56 complaints
D
Grade D · 52.9/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about CMRE Financial Services, Inc.?
CMRE Financial Services, Inc. has accumulated 1,759 total CFPB complaints across 45 states, with 60 filed in the most recent 12 months against 1,699 historical complaints before that window. The trailing-12-month volume represents 3.4% 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 "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 95% timely-response rate against a 24% 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 45 states, led by California with 822 and Texas with 340, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 52.9/100 places CMRE Financial Services, Inc. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
60
3.4% of total history
Rising ↑
States active
45
Distinct state filings
Timely response rate
95%
Within CFPB SLA window
Consumer disputes
24%
After company response
Reputation grade
D
52.9/100 composite
Response-quality profile
How CMRE Financial Services, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 94.8%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 47.8%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 80.4%
Share of US states + territories with at least one filed complaint against this collector.
How does CMRE Financial Services, Inc. compare to its peers?
CMRE Financial Service… 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)
2024-03 2026-02
Top Consumer Issues
Attempts to collect debt not owed610 (%)
Written notification about debt299 (%)
Cont'd attempts collect debt not owed295 (%)
False statements or representation140 (%)
Disclosure verification of debt76 (%)
Took or threatened to take negative or legal action56 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 318 |
| Written notification about debt | Didn't receive enough information to verify debt | 230 |
| Attempts to collect debt not owed | Debt was paid | 219 |
| Cont'd attempts collect debt not owed | Debt is not mine | 176 |
| False statements or representation | Attempted to collect wrong amount | 140 |
| Cont'd attempts collect debt not owed | Debt was paid | 119 |
| Disclosure verification of debt | Not given enough info to verify debt | 76 |
| Attempts to collect debt not owed | Debt was result of identity theft | 73 |
| Written notification about debt | Didn't receive notice of right to dispute | 69 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 56 |
Where do complaints against CMRE Financial Services, Inc. come from?
The states where consumers have filed the most CFPB complaints against CMRE Financial Services, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against CMRE Financial Services, Inc.
Across 45 states with at least one filing
- California
California
822 complaints
- Texas
Texas
340 complaints
- Florida 80
Florida
80 complaints
- Illinois 72
Illinois
72 complaints
- New Jersey 47
New Jersey
47 complaints
- Arizona 44
Arizona
44 complaints
- Oklahoma 28
Oklahoma
28 complaints
- Ohio 27
Ohio
27 complaints
Frequently Asked Questions
What is the most common complaint against CMRE Financial Services, Inc.? ▼
The most common issue consumers report about CMRE Financial Services, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 1,759 complaints filed with the CFPB.
Are complaints against CMRE Financial Services, Inc. increasing or decreasing? ▼
Complaints against CMRE Financial Services, Inc. are rising. The company received 60 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is CMRE Financial Services, Inc.'s reputation grade? ▼
CMRE Financial Services, Inc. has a reputation grade of D (score: 52.9/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does CMRE Financial Services, Inc. respond to consumer complaints? ▼
CMRE Financial Services, Inc. has a 95% timely response rate to CFPB complaints. Consumers disputed the company's response in 24% of cases.
In how many states does CMRE Financial Services, Inc. operate? ▼
CMRE Financial Services, Inc. has received CFPB complaints from consumers in 45 states, with the most complaints from California (822 complaints).
What can I do if CMRE Financial Services, 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 CMRE Financial Services, 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 |