Total CFPB complaints
3
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 3 complaints
Cross America Financial LLC — Debt Collector Complaint Profile
CFPB complaint profile across 2 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Cross America Financial LLC
- False statements or representation
False statements or representation
1 complaints
- Written notification about debt
Written notification about debt
1 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
1 complaints
C
Grade C · 64.2/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Cross America Financial LLC?
Cross America Financial LLC has accumulated 3 total CFPB complaints across 2 states, with 1 filed in the most recent 12 months against 2 historical complaints before that window. The trailing-12-month volume represents 33.3% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "False statements or representation", narrowing to "Attempted to collect wrong amount", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 67% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 2 states, led by California with 2 and Texas with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 64.2/100 places Cross America Financial LLC 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
1
33.3% of total history
Rising ↑
States active
2
Distinct state filings
Timely response rate
67%
Within CFPB SLA window
Reputation grade
C
64.2/100 composite
Response-quality profile
How Cross America Financial LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 66.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 3.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Cross America Financial LLC compare to its peers?
Cross America Financia… 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 2026-01
Top Consumer Issues
False statements or representation1 (%)
Written notification about debt1 (%)
Took or threatened to take negative or legal action1 (%)
Most common issue: False statements or representation — Attempted to collect wrong amount
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 |
|---|---|---|
| False statements or representation | Attempted to collect wrong amount | 1 |
| Written notification about debt | Didn't receive notice of right to dispute | 1 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
Where do complaints against Cross America Financial LLC come from?
The states where consumers have filed the most CFPB complaints against Cross America Financial LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Cross America Financial LLC
Across 2 states with at least one filing
- California
California
2 complaints
- Texas
Texas
1 complaints
Frequently Asked Questions
What is the most common complaint against Cross America Financial LLC? ▼
The most common issue consumers report about Cross America Financial LLC is "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 3 complaints filed with the CFPB.
Are complaints against Cross America Financial LLC increasing or decreasing? ▼
Complaints against Cross America Financial LLC are rising. The company received 1 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Cross America Financial LLC's reputation grade? ▼
Cross America Financial LLC has a reputation grade of C (score: 64.2/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Cross America Financial LLC respond to consumer complaints? ▼
Cross America Financial LLC has a 67% timely response rate to CFPB complaints.
In how many states does Cross America Financial LLC operate? ▼
Cross America Financial LLC has received CFPB complaints from consumers in 2 states, with the most complaints from California (2 complaints).
What can I do if Cross America Financial LLC 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 Cross America Financial LLC 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 |