Total CFPB complaints
54
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 54 complaints
CSO Financial — Debt Collector Complaint Profile
CFPB complaint profile across 7 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about CSO Financial
- Attempts to collect debt not owed
Attempts to collect debt not owed
10 complaints
- Disclosure verification of debt
Disclosure verification of debt
8 complaints
- False statements or representation
False statements or representation
7 complaints
- Communication tactics
Communication tactics
7 complaints
- Written notification about debt
Written notification about debt
6 complaints
- Cont'd attempts collect debt not owed 2
Cont'd attempts collect debt not owed
2 complaints
D
Grade D · 57.2/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about CSO Financial?
CSO Financial has accumulated 54 total CFPB complaints across 7 states, with 2 filed in the most recent 12 months against 52 historical complaints before that window. The trailing-12-month volume represents 3.7% 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 "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 98% timely-response rate against a 42% 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 7 states, led by Oregon with 39 and California with 5, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.2/100 places CSO Financial 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
2
3.7% of total history
Falling ↓
States active
7
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Consumer disputes
42%
After company response
Reputation grade
D
57.2/100 composite
Response-quality profile
How CSO Financial performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 98.1%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 84.2%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 12.5%
Share of US states + territories with at least one filed complaint against this collector.
How does CSO Financial compare to its peers?
CSO Financial 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)
2019-01 2026-01
Top Consumer Issues
False statements or representation7 (%)
Written notification about debt6 (%)
Attempts to collect debt not owed10 (%)
Disclosure verification of debt8 (%)
Communication tactics7 (%)
Cont'd attempts collect debt not owed2 (%)
Took or threatened to take negative or legal action2 (%)
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 | 7 |
| Written notification about debt | Didn't receive enough information to verify debt | 6 |
| Attempts to collect debt not owed | Debt is not yours | 5 |
| Disclosure verification of debt | Right to dispute notice not received | 5 |
| Attempts to collect debt not owed | Debt was paid | 5 |
| Communication tactics | Used obscene, profane, or other abusive language | 4 |
| Communication tactics | Threatened to take legal action | 3 |
| Disclosure verification of debt | Not given enough info to verify debt | 3 |
| Cont'd attempts collect debt not owed | Debt is not mine | 2 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 2 |
Where do complaints against CSO Financial come from?
The states where consumers have filed the most CFPB complaints against CSO Financial. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against CSO Financial
Across 7 states with at least one filing
- Oregon
Oregon
39 complaints
- California 5
California
5 complaints
- Washington 4
Washington
4 complaints
- New Jersey 1
New Jersey
1 complaints
- Arizona 1
Arizona
1 complaints
- Alabama 1
Alabama
1 complaints
- Texas 1
Texas
1 complaints
Frequently Asked Questions
What is the most common complaint against CSO Financial? ▼
The most common issue consumers report about CSO Financial is "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 54 complaints filed with the CFPB.
Are complaints against CSO Financial increasing or decreasing? ▼
Complaints against CSO Financial are falling. The company received 2 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: 57.2/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (39 complaints).
What can I do if CSO Financial 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 CSO Financial 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 |