Total CFPB complaints
8
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 8 complaints
Dave Operating, LLC — 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 Dave Operating, LLC
- Charged upfront or unexpected fees
Charged upfront or unexpected fees
3 complaints
- False statements or representation
False statements or representation
2 complaints
- Attempts to collect debt not owed 1
Attempts to collect debt not owed
1 complaints
- Confusing or misleading advertising or marketing 1
Confusing or misleading advertising or marketing
1 complaints
- Electronic communications 1
Electronic communications
1 complaints
B
Grade B · 67.3/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about Dave Operating, LLC?
Dave Operating, LLC has accumulated 8 total CFPB complaints across 6 states, with 4 filed in the most recent 12 months against 4 historical complaints before that window. The trailing-12-month volume represents 50.0% 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 "Charged upfront or unexpected fees", 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, 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 New York with 2 and Illinois with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 67.3/100 places Dave Operating, LLC 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
4
50.0% of total history
Rising ↑
States active
6
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
B
67.3/100 composite
Response-quality profile
How Dave Operating, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 10.7%
Share of US states + territories with at least one filed complaint against this collector.
How does Dave Operating, LLC compare to its peers?
Dave Operating, LLC 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)
2024-02 2025-09
Top Consumer Issues
Charged upfront or unexpected fees3 (%)
Attempts to collect debt not owed1 (%)
False statements or representation2 (%)
Confusing or misleading advertising or marketing1 (%)
Electronic communications1 (%)
Most common issue: Charged upfront or unexpected fees
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 |
|---|---|---|
| Charged upfront or unexpected fees | — | 3 |
| Attempts to collect debt not owed | Debt was paid | 1 |
| False statements or representation | Indicated you were committing crime by not paying debt | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Confusing or misleading advertising or marketing | — | 1 |
| Electronic communications | You told them to stop contacting you, but they keep trying | 1 |
Where do complaints against Dave Operating, LLC come from?
The states where consumers have filed the most CFPB complaints against Dave Operating, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Dave Operating, LLC
Across 6 states with at least one filing
- New York
New York
2 complaints
- Illinois
Illinois
2 complaints
- Tennessee
Tennessee
1 complaints
- Colorado
Colorado
1 complaints
- Michigan
Michigan
1 complaints
- Texas
Texas
1 complaints
Frequently Asked Questions
What is the most common complaint against Dave Operating, LLC? ▼
The most common issue consumers report about Dave Operating, LLC is "Charged upfront or unexpected fees". This is based on 8 complaints filed with the CFPB.
Are complaints against Dave Operating, LLC increasing or decreasing? ▼
Complaints against Dave Operating, LLC are rising. The company received 4 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Dave Operating, LLC's reputation grade? ▼
Dave Operating, LLC has a reputation grade of B (score: 67.3/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does Dave Operating, LLC respond to consumer complaints? ▼
Dave Operating, LLC has a 100% timely response rate to CFPB complaints.
In how many states does Dave Operating, LLC operate? ▼
Dave Operating, LLC has received CFPB complaints from consumers in 6 states, with the most complaints from New York (2 complaints).
What can I do if Dave Operating, 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 Dave Operating, 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 |