Total CFPB complaints
253
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 253 complaints
Cottonwood Financial Ltd. — 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 Cottonwood Financial Ltd.
- Communication tactics
Communication tactics
48 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
39 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
23 complaints
- Written notification about debt 16
Written notification about debt
16 complaints
- Taking/threatening an illegal action 14
Taking/threatening an illegal action
14 complaints
- Improper contact or sharing of info 10
Improper contact or sharing of info
10 complaints
C
Grade C · 59.8/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Cottonwood Financial Ltd.?
Cottonwood Financial Ltd. has accumulated 253 total CFPB complaints across 30 states, with 0 filed in the most recent 12 months against 253 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 13% 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 138 and Illinois with 25, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 59.8/100 places Cottonwood Financial Ltd. in grade band C, 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
13%
After company response
Reputation grade
C
59.8/100 composite
Response-quality profile
How Cottonwood Financial Ltd. 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) 26.4%
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 Cottonwood Financial Ltd. compare to its peers?
Cottonwood Financial L… 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)
2021-12 2024-07
Top Consumer Issues
Communication tactics48 (%)
Took or threatened to take negative or legal action39 (%)
Written notification about debt16 (%)
Taking/threatening an illegal action14 (%)
Attempts to collect debt not owed23 (%)
Improper contact or sharing of info10 (%)
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 | 26 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 22 |
| Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | 17 |
| Written notification about debt | Didn't receive enough information to verify debt | 16 |
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 14 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 12 |
| Attempts to collect debt not owed | Debt is not yours | 12 |
| Attempts to collect debt not owed | Debt was paid | 11 |
| Improper contact or sharing of info | Talked to a third party about my debt | 10 |
| Communication tactics | Threatened to take legal action | 10 |
Where do complaints against Cottonwood Financial Ltd. come from?
The states where consumers have filed the most CFPB complaints against Cottonwood Financial Ltd.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Cottonwood Financial Ltd.
Across 30 states with at least one filing
- Texas
Texas
138 complaints
- Illinois 25
Illinois
25 complaints
- New Mexico 13
New Mexico
13 complaints
- Wisconsin 13
Wisconsin
13 complaints
- Idaho 7
Idaho
7 complaints
- Washington 5
Washington
5 complaints
- Florida 5
Florida
5 complaints
- Utah 5
Utah
5 complaints
Frequently Asked Questions
What is the most common complaint against Cottonwood Financial Ltd.? ▼
The most common issue consumers report about Cottonwood Financial Ltd. is "Communication tactics", specifically "Frequent or repeated calls". This is based on 253 complaints filed with the CFPB.
Are complaints against Cottonwood Financial Ltd. increasing or decreasing? ▼
Complaints against Cottonwood Financial Ltd. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.
What is Cottonwood Financial Ltd.'s reputation grade? ▼
Cottonwood Financial Ltd. has a reputation grade of C (score: 59.8/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Cottonwood Financial Ltd. respond to consumer complaints? ▼
Cottonwood Financial Ltd. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 13% of cases.
In how many states does Cottonwood Financial Ltd. operate? ▼
Cottonwood Financial Ltd. has received CFPB complaints from consumers in 30 states, with the most complaints from Texas (138 complaints).
What can I do if Cottonwood Financial Ltd. 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 Cottonwood Financial Ltd. 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 |