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

CFPB complaint data Grade D 168 complaints

Fay Servicing, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 33 states, reputation grade D.

Complaints by issue type

What consumers report about Fay Servicing, LLC

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record fay-servicing-llc Fay Servicing, LLC

Grade D · 168 CFPB filings · 95% timely · lead issue: Attempts to collect debt not owed

  • VOL 168
  • GRADE D
  • 12MO 15
  • STATES 33
  • TIMELY 95%
  • DISPUTE 23%
  • ISSUE Attempts to collect debt n…
  • RANK #616
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Collectech Diversified, Inc. (168 complaints)

Collectech Diversified, Inc.Collectech Diversified, Inc.168Renton Collections Inc.Renton Collections Inc.168Fay Servicing, LLC (this)Fay Servicing, LLC (this)168BMO Bank National AssociationBMO Bank National Association169Glass Mountain Capital, LLCGlass Mountain Capital, LLC169
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Fay Servicing, LLC's 168 CFPB complaints sit next to Collectech Diversified, 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 →

How the 168 complaints break down

Every complaint issue type on record for Fay Servicing, LLC, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
53.7/100
Fay Servicing, LLC

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
168
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
95%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
23%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

Fay Servicing, LLC spreads filings across 33 states - California leads at only 11.3%

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Most-even geography
Lead state under 15%
California still leads at 11.3% across 33 states
Seasonal peak
2026-01 9.6%
8–15% band · 7 filings
Corpus ranks
#616 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Fay Servicing, LLC compare to its peers?

How does Fay Servicing, LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Fay Servicing, LLC National average
Complaints (last 12 mo)lower is better
15
53
268
Timely-response ratehigher is better
95%
100%
91%
Consumer-dispute ratelower is better
23%
29%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Fay Servicing, LLC a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 50%60%70%80%90%100%110% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Fay Servicing, LLC vs. 8 similar-volume peers, by response speed and dispute rate Fay Servicing, LLCCOLLECTECH DIVERSIFIED, INC.Renton Collections Inc.LoanCare, LLCGlass Mountain Capital, LLCUnited Consumers IncMNE Services, IncCARRINGTON MORTGAGE SERVICES, LLCLyons, Doughty & Veldhuis, PC
Source: CFPB Consumer Complaint Database

Fay Servicing, LLC's complaint volume in context

Fay Servicing, LLC vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

168 Top 11% higher than 89% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). This entry sits in this band. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Fay Servicing, LLC 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2023-10 2026-02

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
41
False statements or representation
35
Written notification about debt
34
Took or threatened to take negative or legal action
29
Disclosure verification of debt
10
Communication tactics
9
Cont'd attempts collect debt not owed
6
Threatened to contact someone or share information improperly
1
Improper contact or sharing of info
1
Electronic communications
1

Where do complaints against Fay Servicing, LLC come from?

Fay Servicing, LLC's own per-state count, not a national baseline.

Top states by complaints against Fay Servicing, LLC

Across 33 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Fay Servicing, LLC: 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: 168.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 95.37572254335261%.

4 peers

Know your rights before responding to Fay Servicing, LLC: 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.