Total CFPB complaints
16
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 16 complaints
Deca Financial Services LLC (Closed) — Debt Collector Complaint Profile
CFPB complaint profile across 9 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Deca Financial Services LLC (Closed)
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
5 complaints
- Disclosure verification of debt
Disclosure verification of debt
5 complaints
- False statements or representation
False statements or representation
2 complaints
- Communication tactics
Communication tactics
2 complaints
- Improper contact or sharing of info 1
Improper contact or sharing of info
1 complaints
- Taking/threatening an illegal action 1
Taking/threatening an illegal action
1 complaints
C
Grade C · 64.3/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Deca Financial Services LLC (Closed)?
Deca Financial Services LLC (Closed) has accumulated 16 total CFPB complaints across 9 states, with 0 filed in the most recent 12 months against 16 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine", 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 44% 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 9 states, led by Virginia with 3 and California 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 64.3/100 places Deca Financial Services LLC (Closed) 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
Stable →
States active
9
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
44%
After company response
Reputation grade
C
64.3/100 composite
Response-quality profile
How Deca Financial Services LLC (Closed) 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.
Consumer dispute rate (post-response) 87.5%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 16.1%
Share of US states + territories with at least one filed complaint against this collector.
How does Deca Financial Services LLC (Closed) compare to its peers?
Deca Financial Service… 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)
2013-07 2014-02
Top Consumer Issues
Cont'd attempts collect debt not owed5 (%)
Disclosure verification of debt5 (%)
False statements or representation2 (%)
Improper contact or sharing of info1 (%)
Taking/threatening an illegal action1 (%)
Communication tactics2 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt is not mine
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 |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt is not mine | 3 |
| Disclosure verification of debt | Not given enough info to verify debt | 3 |
| False statements or representation | Attempted to collect wrong amount | 2 |
| Cont'd attempts collect debt not owed | Debt resulted from identity theft | 2 |
| Disclosure verification of debt | Right to dispute notice not received | 2 |
| Improper contact or sharing of info | Contacted me after I asked not to | 1 |
| Taking/threatening an illegal action | Sued w/o proper notification of suit | 1 |
| Communication tactics | Threatened to take legal action | 1 |
| Communication tactics | Frequent or repeated calls | 1 |
Where do complaints against Deca Financial Services LLC (Closed) come from?
The states where consumers have filed the most CFPB complaints against Deca Financial Services LLC (Closed). Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Deca Financial Services LLC (Closed)
Across 9 states with at least one filing
- Virginia
Virginia
3 complaints
- California
California
2 complaints
- Florida
Florida
2 complaints
- Indiana
Indiana
2 complaints
- Ohio
Ohio
2 complaints
- Maryland
Maryland
2 complaints
- New York 1
New York
1 complaints
- Pennsylvania 1
Pennsylvania
1 complaints
Frequently Asked Questions
What is the most common complaint against Deca Financial Services LLC (Closed)? ▼
The most common issue consumers report about Deca Financial Services LLC (Closed) is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 16 complaints filed with the CFPB.
Are complaints against Deca Financial Services LLC (Closed) increasing or decreasing? ▼
Complaints against Deca Financial Services LLC (Closed) have been stable. The company received 0 complaints in the last 12 months.
What is Deca Financial Services LLC (Closed)'s reputation grade? ▼
Deca Financial Services LLC (Closed) has a reputation grade of C (score: 64.3/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Deca Financial Services LLC (Closed) respond to consumer complaints? ▼
Deca Financial Services LLC (Closed) has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 44% of cases.
In how many states does Deca Financial Services LLC (Closed) operate? ▼
Deca Financial Services LLC (Closed) has received CFPB complaints from consumers in 9 states, with the most complaints from Virginia (3 complaints).
What can I do if Deca Financial Services LLC (Closed) 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 Deca Financial Services LLC (Closed) 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 |