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

CFPB complaint data Grade D 559 complaints

Community Choice Financial, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 37 states, reputation grade D.

Complaints by issue type

What consumers report about Community Choice Financial, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record community-choice-financial-inc Community Choice Financial, Inc.

Grade D · 559 CFPB filings · 94% timely · lead issue: Communication tactics · vol #248 · compose #261

  • VOL 559
  • GRADE D
  • 12MO 0
  • STATES 37
  • TIMELY 94%
  • DISPUTE 14%
  • ISSUE Communication tactics
  • RANK #248
  • COMPOSE #261

Volume peers

Nearest volume peer: RS Clark and Associates, Inc. (560 complaints)

EdFinancial ServicesEdFinancial Services556CarMax, Inc.CarMax, Inc.557Community Choice Financial, Inc. (this)Community Choice Financial, …559RS Clark and Associates, Inc.RS Clark and Associates, Inc.560American Credit Acceptance, LLCAmerican Credit Acceptance, …561
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Community Choice Financial, Inc.'s 559 CFPB complaints sit next to RS Clark and Associates, Inc. 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 →

How the 559 complaints break down

Every complaint issue type on record for Community Choice Financial, Inc., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
53.0/100
Community Choice Financial, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
559
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
94%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
14%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Steady monthly series

California is the plurality state for Community Choice Financial, Inc. (22.4%)

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Plurality state
California 22.4%
Mid-band (15–30%) · 37 states with ≥1 filing
Even monthly load
Peak under 8%
Highest month 2025-08 at 6.7% (35 filings)
Corpus ranks
#248 volume
#261 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Community Choice Financial, Inc. compare to its peers?

How does COMMUNITY CHOICE FINANCIAL, 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
COMMUNITY CHOICE FINANCIAL, INC. National average
Complaints (last 12 mo)lower is better
0
136
268
Timely-response ratehigher is better
94%
85%
91%
Consumer-dispute ratelower is better
14%
26%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Community Choice Financial, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 80%85%90%95%100%105% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Community Choice Financial, Inc. vs. 10 similar-volume peers, by response speed and dispute rate Community Choice Financial, Inc.RS Clark and Associates, Inc.CarMax, Inc.American Credit Acceptance, LLCEdFinancial ServicesLaw Office of Michael J. Scott, PCMonarch Recovery Holdings, Inc.OPORTUN FINANCIAL CORPORATIONThaxton Investment CorporationCollection Bureau of the Hudson Valley, Inc.Blitt and Gaines, P.C.
Source: CFPB Consumer Complaint Database

Community Choice Financial, Inc.'s complaint volume in context

Community Choice Financial, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

559 Top 5% higher than 95% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Community Choice Financial, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2024-04 2026-03

Issue Detail Breakdown

Issue Complaints
Communication tactics
208
Attempts to collect debt not owed
79
Cont'd attempts collect debt not owed
64
Improper contact or sharing of info
50
Took or threatened to take negative or legal action
38
Taking/threatening an illegal action
36
False statements or representation
34
Written notification about debt
28
Threatened to contact someone or share information improperly
12
Disclosure verification of debt
10

Where do complaints against Community Choice Financial, Inc. come from?

Community Choice Financial, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Community Choice Financial, Inc.

Across 37 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Community Choice Financial, 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: 559.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 94.27549194991055%.

4 peers

Know your rights before responding to Community Choice Financial, 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.