What is the most common complaint against CSO Financial?

The most common issue consumers report about CSO Financial is "Attempts to collect debt not owed", specifically "Attempted to collect wrong amount". This is based on 55 complaints filed with the CFPB.

Are complaints against CSO Financial increasing or decreasing?

Complaints against CSO Financial are falling. The company received 3 complaints in the last 12 months, showing improvement over prior periods.

What is CSO Financial's reputation grade?

CSO Financial has a reputation grade of D (score: 53.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does CSO Financial respond to consumer complaints?

CSO Financial has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 42% of cases.

In how many states does CSO Financial operate?

CSO Financial has received CFPB complaints from consumers in 7 states, with the most complaints from Oregon (40 complaints).

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

CSO Financial - Debt Collector Complaint Profile

CFPB complaint profile across 7 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

10
Communication tactics

9
Written notification about debt

8
Disclosure verification of debt

8
Took or threatened to take negative or legal action

7
False statements or representation

7

Data updated September 2026

CFPB complaint disposition

CCDB record cso-financial CSO Financial

Grade D · 55 CFPB filings · 98% timely · lead issue: Attempts to collect debt not owed · vol #1127 · compose #3659

VOL 55
GRADE D
12MO 3
STATES 7
TIMELY 98%
DISPUTE 42%
ISSUE Attempts to collect debt n…
RANK #1,127
COMPOSE #3,659

Volume peers

Nearest volume peer: Accounts Management, Inc (55 complaints)

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

CSO Financial's 55 CFPB complaints sit next to Accounts Management, 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

72.7% of CSO Financial's CFPB filings land in Oregon

High volume does not equal a clean composite: CSO Financial is volume #1,127 but composite #3,659, while Oregon dominates the geography. Corpus placement method.

Dominant state: Oregon 72.7%; 40 of 55 filings · 7 states touched
Seasonal peak: 2025-04 12.7%; 8–15% band · 10 filings
Divergent corpus ranks: #1,127 volume; #3,659 composite; Cleanest-composite ladder is 2,532 places worse than volume

How does CSO Financial compare to its peers?

How does CSO Financial compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

CSO Financial National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

98%

85%

91%

Consumer-dispute ratelower is better

42%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-02 2026-02

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	10
Communication tactics	9
Written notification about debt	8
Disclosure verification of debt	8
Took or threatened to take negative or legal action	7
False statements or representation	7
Cont'd attempts collect debt not owed	2
Taking/threatening an illegal action	2
Threatened to contact someone or share information improperly	1
Improper contact or sharing of info	1

Where do complaints against CSO Financial come from?

CSO Financial's own per-state count, not a national baseline.

Oregon

40
California

5
Washington

4
Alabama

1
Arizona

1
New Jersey

1
Texas

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for CSO Financial: 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: 55.

4 peers

Know your rights before responding to CSO Financial: 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.