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

The most common issue consumers report about Community Financial System, Inc. is "Attempts to collect debt not owed", specifically "Frequent or repeated calls". This is based on 5 complaints filed with the CFPB.

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

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

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

Community Financial System, Inc. has a reputation grade of B (score: 66.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Community Financial System, Inc. respond to consumer complaints?

Community Financial System, Inc. has a 100% timely response rate to CFPB complaints.

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

Community Financial System, Inc. has received CFPB complaints from consumers in 4 states, with the most complaints from Pennsylvania (2 complaints).

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

Community Financial System, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 4 states, reputation grade B.

Compiled by PlainCollector

Attempts to collect debt not owed

3
Communication tactics

2

Data updated September 2026

CFPB complaint disposition

CCDB record community-financial-system-inc Community Financial System, Inc.

Grade B · 5 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #3105 · compose #1615

VOL 5
GRADE B
12MO 0
STATES 4
TIMELY 100%
ISSUE Attempts to collect debt n…
RANK #3,105
COMPOSE #1,615

Volume peers

Nearest volume peer: Aaron Worldwide Collections Inc. (5 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Community Financial System, Inc.'s 5 CFPB complaints sit next to Aaron Worldwide Collections 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 →

State-heavy filing map

40.0% of Community Financial System, Inc.'s CFPB filings land in Pennsylvania

High volume does not equal a clean composite: Community Financial System, Inc. is volume #3,105 but composite #1,615, while Pennsylvania dominates the geography. Corpus placement method.

Dominant state: Pennsylvania 40.0%; 2 of 5 filings · 4 states touched
Spike month: 2015-06 100.0%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #3,105 volume; #1,615 composite; Cleanest-composite ladder is 1,490 places better than volume

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

How does COMMUNITY FINANCIAL SYSTEM, 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 FINANCIAL SY… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

75%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-06 2015-06

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	3
Communication tactics	2

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

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

Pennsylvania

2
Illinois

1
Maryland

1
New York

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Community Financial System, 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: 5.

4 peers

Know your rights before responding to Community Financial System, 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.