Total CFPB complaints
39
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 39 complaints
Elite Financial Services, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 14 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Elite Financial Services, Inc.
- Written notification about debt
Written notification about debt
6 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
6 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
5 complaints
- Communication tactics
Communication tactics
5 complaints
- False statements or representation 2
False statements or representation
2 complaints
- Didn't provide services promised 2
Didn't provide services promised
2 complaints
D
Grade D · 53.1/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Elite Financial Services, Inc.?
Elite Financial Services, Inc. has accumulated 39 total CFPB complaints across 14 states, with 1 filed in the most recent 12 months against 38 historical complaints before that window. The trailing-12-month volume represents 2.6% 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 "Written notification about debt", narrowing to "Didn't receive enough information to verify debt", 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 against a 20% 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 14 states, led by Missouri with 19 and Florida with 4, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 53.1/100 places Elite Financial Services, Inc. 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
1
2.6% of total history
Falling ↓
States active
14
Distinct state filings
Timely response rate
67%
Within CFPB SLA window
Consumer disputes
20%
After company response
Reputation grade
D
53.1/100 composite
Response-quality profile
How Elite Financial Services, Inc. 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.
Consumer dispute rate (post-response) 40.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 25.0%
Share of US states + territories with at least one filed complaint against this collector.
How does Elite Financial Services, Inc. compare to its peers?
Elite Financial Servic… 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)
2016-03 2025-06
Top Consumer Issues
Written notification about debt6 (%)
Cont'd attempts collect debt not owed5 (%)
Communication tactics5 (%)
Attempts to collect debt not owed6 (%)
False statements or representation2 (%)
Didn't provide services promised2 (%)
Took or threatened to take negative or legal action2 (%)
Confusing or missing disclosures1 (%)
Most common issue: Written notification about debt — Didn't receive enough information to verify debt
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 |
|---|---|---|
| Written notification about debt | Didn't receive enough information to verify debt | 6 |
| Cont'd attempts collect debt not owed | Debt was paid | 5 |
| Communication tactics | Used obscene/profane/abusive language | 4 |
| Attempts to collect debt not owed | Debt is not yours | 4 |
| False statements or representation | Attempted to collect wrong amount | 2 |
| Didn't provide services promised | — | 2 |
| Attempts to collect debt not owed | Debt was result of identity theft | 2 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 2 |
| Confusing or missing disclosures | — | 1 |
| Communication tactics | Used obscene, profane, or other abusive language | 1 |
Where do complaints against Elite Financial Services, Inc. come from?
The states where consumers have filed the most CFPB complaints against Elite Financial Services, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Elite Financial Services, Inc.
Across 14 states with at least one filing
- Missouri
Missouri
19 complaints
- Florida 4
Florida
4 complaints
- Kansas 3
Kansas
3 complaints
- Iowa 2
Iowa
2 complaints
- Nebraska 1
Nebraska
1 complaints
- North Dakota 1
North Dakota
1 complaints
- New Jersey 1
New Jersey
1 complaints
- Illinois 1
Illinois
1 complaints
Frequently Asked Questions
What is the most common complaint against Elite Financial Services, Inc.? ▼
The most common issue consumers report about Elite Financial Services, Inc. is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 39 complaints filed with the CFPB.
Are complaints against Elite Financial Services, Inc. increasing or decreasing? ▼
Complaints against Elite Financial Services, Inc. are falling. The company received 1 complaints in the last 12 months, showing improvement over prior periods.
What is Elite Financial Services, Inc.'s reputation grade? ▼
Elite Financial Services, Inc. has a reputation grade of D (score: 53.1/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Elite Financial Services, Inc. respond to consumer complaints? ▼
Elite Financial Services, Inc. has a 67% timely response rate to CFPB complaints. Consumers disputed the company's response in 20% of cases.
In how many states does Elite Financial Services, Inc. operate? ▼
Elite Financial Services, Inc. has received CFPB complaints from consumers in 14 states, with the most complaints from Missouri (19 complaints).
What can I do if Elite Financial Services, Inc. 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 Elite Financial Services, Inc. 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 |