Total CFPB complaints
1,147
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 1,147 complaints
Conn's, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 30 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Conn's, Inc.
- Communication tactics
Communication tactics
414 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
363 complaints
- False statements or representation 94
False statements or representation
94 complaints
- Written notification about debt 80
Written notification about debt
80 complaints
- Took or threatened to take negative or legal action 32
Took or threatened to take negative or legal action
32 complaints
D
Grade D · 57.7/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Conn's, Inc.?
Conn's, Inc. has accumulated 1,147 total CFPB complaints across 30 states, with 0 filed in the most recent 12 months against 1,147 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", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 12% 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 30 states, led by Texas with 641 and Arizona with 75, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.7/100 places Conn's, 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
Falling ↓
States active
30
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
12%
After company response
Reputation grade
D
57.7/100 composite
Response-quality profile
How Conn's, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.6%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 24.6%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 53.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Conn's, Inc. compare to its peers?
Conn's, Inc. 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)
2023-01 2024-12
Top Consumer Issues
Communication tactics414 (%)
Attempts to collect debt not owed363 (%)
False statements or representation94 (%)
Written notification about debt80 (%)
Took or threatened to take negative or legal action32 (%)
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 | 368 |
| Attempts to collect debt not owed | Debt was result of identity theft | 126 |
| Attempts to collect debt not owed | Debt is not yours | 122 |
| Attempts to collect debt not owed | Debt was paid | 94 |
| False statements or representation | Attempted to collect wrong amount | 94 |
| Written notification about debt | Didn't receive enough information to verify debt | 54 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 46 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 32 |
| Written notification about debt | Didn't receive notice of right to dispute | 26 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 21 |
Where do complaints against Conn's, Inc. come from?
The states where consumers have filed the most CFPB complaints against Conn's, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Conn's, Inc.
Across 30 states with at least one filing
- Texas
Texas
641 complaints
- Arizona 75
Arizona
75 complaints
- North Carolina 69
North Carolina
69 complaints
- Louisiana 63
Louisiana
63 complaints
- Tennessee 46
Tennessee
46 complaints
- Oklahoma 41
Oklahoma
41 complaints
- Colorado 37
Colorado
37 complaints
- South Carolina 26
South Carolina
26 complaints
Frequently Asked Questions
What is the most common complaint against Conn's, Inc.? ▼
The most common issue consumers report about Conn's, Inc. is "Communication tactics", specifically "Frequent or repeated calls". This is based on 1,147 complaints filed with the CFPB.
Are complaints against Conn's, Inc. increasing or decreasing? ▼
Complaints against Conn's, Inc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.
What is Conn's, Inc.'s reputation grade? ▼
Conn's, Inc. has a reputation grade of D (score: 57.7/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Conn's, Inc. respond to consumer complaints? ▼
Conn's, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 12% of cases.
In how many states does Conn's, Inc. operate? ▼
Conn's, Inc. has received CFPB complaints from consumers in 30 states, with the most complaints from Texas (641 complaints).
What can I do if Conn's, 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 Conn's, 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 |