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

Data updated July 2026

D

Grade D · 56.2/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Community Choice Financial, Inc. ranks ahead of 29% of the 5,283 collectors PlainCollector grades - 71% keep a cleaner CFPB record, on 559 all-time complaints and a 94% timely-response rate.

29th pct
reputation rank of 5,283 graded collectors
559
CFPB complaints, all-time
94%
answered inside the CFPB window
0
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Community Choice Financial, Inc.?

Community Choice Financial, Inc. has accumulated 559 total CFPB complaints across 37 states, with 0 filed in the most recent 12 months against 559 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "Frequent or repeated calls". The company posts a 94% timely-response rate against a 14% consumer-dispute-after-response rate.

Complaints have been recorded across 37 states, led by California with 125 and Ohio with 92. Normalized against the full CFPB collector database, the reputation score of 56.2/100 places Community Choice Financial, Inc. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

559

mid-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

37

multi-region footprint

Timely response rate

94%

good band

Consumer disputes

14%

average (vertical avg ~19%)

Reputation grade

D

56.2/100 composite

How does Community Choice Financial, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

56 29th percentile higher than 29% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Community Choice Financial, Inc. versus the debt-collection vertical average.

Timely response within SLA 94.3%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 14.3%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 66.1%

Share of US states + territories with at least one filed complaint against this collector.

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, drawn from 10 collectors with a comparable complaint count
COMMUNITY CHOICE FINAN… 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.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-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

What to do if Community Choice Financial, Inc. contacts you

A grade of D signals how Community Choice Financial, Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Community Choice Financial, Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Community Choice Financial, Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Community Choice Financial, Inc.? ▼

The most common issue consumers report about Community Choice Financial, Inc. is "Communication tactics", specifically "Frequent or repeated calls". This is based on 559 complaints filed with the CFPB.

Are complaints against Community Choice Financial, Inc. increasing or decreasing? ▼

Complaints against Community Choice Financial, Inc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Community Choice Financial, Inc.'s reputation grade? ▼

Community Choice Financial, Inc. has a reputation grade of D (score: 56.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Community Choice Financial, Inc. respond to consumer complaints? ▼

Community Choice Financial, Inc. has a 94% timely response rate to CFPB complaints. Consumers disputed the company's response in 14% of cases.

In how many states does Community Choice Financial, Inc. operate? ▼

Community Choice Financial, Inc. has received CFPB complaints from consumers in 37 states, with the most complaints from California (125 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.