Total CFPB complaints
559
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 559 complaints
COMMUNITY CHOICE FINANCIAL, INC. — Debt Collector Complaint Profile
CFPB complaint profile across 37 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about COMMUNITY CHOICE FINANCIAL, INC.
- Communication tactics
Communication tactics
145 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
75 complaints
- Cont'd attempts collect debt not owed 35
Cont'd attempts collect debt not owed
35 complaints
- Taking/threatening an illegal action 24
Taking/threatening an illegal action
24 complaints
- Written notification about debt 22
Written notification about debt
22 complaints
- False statements or representation 20
False statements or representation
20 complaints
D
Grade D · 56.2/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
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 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 "Frequent or repeated calls", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 94% timely-response rate against a 14% 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 37 states, led by California with 125 and Ohio with 92, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.2/100 places COMMUNITY CHOICE FINANCIAL, 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
0
0.0% of total history
Stable →
States active
37
Distinct state filings
Timely response rate
94%
Within CFPB SLA window
Consumer disputes
14%
After company response
Reputation grade
D
56.2/100 composite
Response-quality profile
How COMMUNITY CHOICE FINANCIAL, INC. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 28.6%
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?
COMMUNITY CHOICE FINAN… 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)
2019-12 2022-01
Top Consumer Issues
Communication tactics145 (%)
Cont'd attempts collect debt not owed35 (%)
Attempts to collect debt not owed75 (%)
Taking/threatening an illegal action24 (%)
Written notification about debt22 (%)
False statements or representation20 (%)
Took or threatened to take negative or legal action20 (%)
Most common issue: Communication tactics — Frequent or repeated calls
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 | Frequent or repeated calls | 113 |
| Cont'd attempts collect debt not owed | Debt is not mine | 35 |
| Communication tactics | Called after sent written cease of comm | 32 |
| Attempts to collect debt not owed | Debt is not yours | 27 |
| Attempts to collect debt not owed | Debt was paid | 26 |
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 24 |
| Attempts to collect debt not owed | Debt was result of identity theft | 22 |
| Written notification about debt | Didn't receive enough information to verify debt | 22 |
| False statements or representation | Attempted to collect wrong amount | 20 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 20 |
Where do complaints against COMMUNITY CHOICE FINANCIAL, INC. come from?
The states where consumers have filed the most CFPB complaints against COMMUNITY CHOICE FINANCIAL, INC.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against COMMUNITY CHOICE FINANCIAL, INC.
Across 37 states with at least one filing
- California
California
125 complaints
- Ohio
Ohio
92 complaints
- Texas
Texas
78 complaints
- Tennessee 31
Tennessee
31 complaints
- Missouri 28
Missouri
28 complaints
- Alabama 25
Alabama
25 complaints
- Virginia 19
Virginia
19 complaints
- Wisconsin 16
Wisconsin
16 complaints
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. have been stable. The company received 0 complaints in the last 12 months.
What is COMMUNITY CHOICE FINANCIAL, INC.'s reputation grade? ▼
COMMUNITY CHOICE FINANCIAL, INC. has a reputation grade of D (score: 56.2/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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).
What can I do if COMMUNITY CHOICE FINANCIAL, 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 COMMUNITY CHOICE FINANCIAL, 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 |