Total CFPB complaints
1,234
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 1,234 complaints
CNG FINANCIAL CORPORATION — Debt Collector Complaint Profile
CFPB complaint profile across 49 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about CNG FINANCIAL CORPORATION
- Attempts to collect debt not owed
Attempts to collect debt not owed
252 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
208 complaints
- Communication tactics
Communication tactics
173 complaints
- Taking/threatening an illegal action
Taking/threatening an illegal action
115 complaints
- False statements or representation 38
False statements or representation
38 complaints
D
Grade D · 56.8/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about CNG FINANCIAL CORPORATION?
CNG FINANCIAL CORPORATION has accumulated 1,234 total CFPB complaints across 49 states, with 165 filed in the most recent 12 months against 1,069 historical complaints before that window. The trailing-12-month volume represents 13.4% 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 96% timely-response rate against a 10% 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 49 states, led by California with 252 and Texas with 167, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.8/100 places CNG FINANCIAL CORPORATION 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
165
13.4% of total history
Rising ↑
States active
49
Distinct state filings
Timely response rate
96%
Within CFPB SLA window
Consumer disputes
10%
After company response
Reputation grade
D
56.8/100 composite
Response-quality profile
How CNG FINANCIAL CORPORATION performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 95.8%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 20.9%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 87.5%
Share of US states + territories with at least one filed complaint against this collector.
How does CNG FINANCIAL CORPORATION compare to its peers?
CNG FINANCIAL CORPORAT… 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)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed252 (%)
Taking/threatening an illegal action115 (%)
Communication tactics173 (%)
Took or threatened to take negative or legal action208 (%)
False statements or representation38 (%)
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 | 147 |
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 115 |
| Communication tactics | Frequent or repeated calls | 103 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 86 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 77 |
| Communication tactics | Threatened to take legal action | 70 |
| Attempts to collect debt not owed | Debt was result of identity theft | 63 |
| Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | 45 |
| Attempts to collect debt not owed | Debt was paid | 42 |
| False statements or representation | Attempted to collect wrong amount | 38 |
Where do complaints against CNG FINANCIAL CORPORATION come from?
The states where consumers have filed the most CFPB complaints against CNG FINANCIAL CORPORATION. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against CNG FINANCIAL CORPORATION
Across 49 states with at least one filing
- California
California
252 complaints
- Texas
Texas
167 complaints
- Ohio
Ohio
102 complaints
- South Carolina 90
South Carolina
90 complaints
- Michigan 61
Michigan
61 complaints
- Florida 45
Florida
45 complaints
- Alabama 43
Alabama
43 complaints
- Arizona 43
Arizona
43 complaints
Frequently Asked Questions
What is the most common complaint against CNG FINANCIAL CORPORATION? ▼
The most common issue consumers report about CNG FINANCIAL CORPORATION is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 1,234 complaints filed with the CFPB.
Are complaints against CNG FINANCIAL CORPORATION increasing or decreasing? ▼
Complaints against CNG FINANCIAL CORPORATION are rising. The company received 165 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is CNG FINANCIAL CORPORATION's reputation grade? ▼
CNG FINANCIAL CORPORATION has a reputation grade of D (score: 56.8/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does CNG FINANCIAL CORPORATION respond to consumer complaints? ▼
CNG FINANCIAL CORPORATION has a 96% timely response rate to CFPB complaints. Consumers disputed the company's response in 10% of cases.
In how many states does CNG FINANCIAL CORPORATION operate? ▼
CNG FINANCIAL CORPORATION has received CFPB complaints from consumers in 49 states, with the most complaints from California (252 complaints).
What can I do if CNG FINANCIAL CORPORATION 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 CNG FINANCIAL CORPORATION 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 |