Total CFPB complaints
20
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 20 complaints
Consumer Financial Services — Debt Collector Complaint Profile
CFPB complaint profile across 6 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Consumer Financial Services
- Attempts to collect debt not owed
Attempts to collect debt not owed
6 complaints
- Communication tactics
Communication tactics
5 complaints
- False statements or representation
False statements or representation
3 complaints
- Cont'd attempts collect debt not owed 2
Cont'd attempts collect debt not owed
2 complaints
- Taking/threatening an illegal action 1
Taking/threatening an illegal action
1 complaints
- Improper contact or sharing of info 1
Improper contact or sharing of info
1 complaints
B
Grade B · 68.6/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about Consumer Financial Services?
Consumer Financial Services has accumulated 20 total CFPB complaints across 6 states, with 3 filed in the most recent 12 months against 17 historical complaints before that window. The trailing-12-month volume represents 15.0% 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 95% 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 6 states, led by Florida with 9 and Illinois with 7, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 68.6/100 places Consumer Financial Services in grade band B, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
3
15.0% of total history
Stable →
States active
6
Distinct state filings
Timely response rate
95%
Within CFPB SLA window
Consumer disputes
14%
After company response
Reputation grade
B
68.6/100 composite
Response-quality profile
How Consumer Financial Services performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 95.0%
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 10.7%
Share of US states + territories with at least one filed complaint against this collector.
How does Consumer Financial Services compare to its peers?
Consumer Financial Ser… 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)
2013-11 2026-01
Top Consumer Issues
Communication tactics5 (%)
False statements or representation3 (%)
Attempts to collect debt not owed6 (%)
Cont'd attempts collect debt not owed2 (%)
Taking/threatening an illegal action1 (%)
Improper contact or sharing of info1 (%)
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 | 4 |
| False statements or representation | Attempted to collect wrong amount | 3 |
| Attempts to collect debt not owed | Debt is not yours | 2 |
| Cont'd attempts collect debt not owed | Debt is not mine | 2 |
| Attempts to collect debt not owed | Debt was paid | 2 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 1 |
| Communication tactics | Used obscene, profane, or other abusive language | 1 |
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 1 |
| Improper contact or sharing of info | Talked to a third party about my debt | 1 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1 |
Where do complaints against Consumer Financial Services come from?
The states where consumers have filed the most CFPB complaints against Consumer Financial Services. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Consumer Financial Services
Across 6 states with at least one filing
- Florida
Florida
9 complaints
- Illinois
Illinois
7 complaints
- California 1
California
1 complaints
- North Carolina 1
North Carolina
1 complaints
- New Jersey 1
New Jersey
1 complaints
- Texas 1
Texas
1 complaints
Frequently Asked Questions
What is the most common complaint against Consumer Financial Services? ▼
The most common issue consumers report about Consumer Financial Services is "Communication tactics", specifically "Frequent or repeated calls". This is based on 20 complaints filed with the CFPB.
Are complaints against Consumer Financial Services increasing or decreasing? ▼
Complaints against Consumer Financial Services have been stable. The company received 3 complaints in the last 12 months.
What is Consumer Financial Services's reputation grade? ▼
Consumer Financial Services has a reputation grade of B (score: 68.6/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does Consumer Financial Services respond to consumer complaints? ▼
Consumer Financial Services has a 95% timely response rate to CFPB complaints. Consumers disputed the company's response in 14% of cases.
In how many states does Consumer Financial Services operate? ▼
Consumer Financial Services has received CFPB complaints from consumers in 6 states, with the most complaints from Florida (9 complaints).
What can I do if Consumer Financial Services 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 Consumer Financial Services 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 |