What is the most common complaint against Finmax Smart Capital LLC?

The most common issue consumers report about Finmax Smart Capital LLC is "Communication tactics", specifically "Frequent or repeated calls". This is based on 26 complaints filed with the CFPB.

Are complaints against Finmax Smart Capital LLC increasing or decreasing?

Complaints against Finmax Smart Capital LLC have been stable. The company received 6 complaints in the last 12 months.

What is Finmax Smart Capital LLC's reputation grade?

Finmax Smart Capital LLC has a reputation grade of D (score: 55.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Finmax Smart Capital LLC respond to consumer complaints?

Finmax Smart Capital LLC has a 96% timely response rate to CFPB complaints.

In how many states does Finmax Smart Capital LLC operate?

Finmax Smart Capital LLC has received CFPB complaints from consumers in 13 states, with the most complaints from Texas (6 complaints).

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

Finmax Smart Capital LLC - Debt Collector Complaint Profile

CFPB complaint profile across 13 states, reputation grade D.

Compiled by PlainCollector

Communication tactics

15
Attempts to collect debt not owed

3
Took or threatened to take negative or legal action

3
Threatened to contact someone or share information improperly

3
Written notification about debt

1
False statements or representation

1

Data updated September 2026

CFPB complaint disposition

CCDB record finmax-smart-capital-llc Finmax Smart Capital LLC

Grade D · 26 CFPB filings · 96% timely · lead issue: Communication tactics · vol #1662 · compose #3337

VOL 26
GRADE D
12MO 6
STATES 13
TIMELY 96%
ISSUE Communication tactics
RANK #1,662
COMPOSE #3,337

Volume peers

Nearest volume peer: Accelerated Collection Service, Inc (26 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Finmax Smart Capital LLC's 26 CFPB complaints sit next to Accelerated Collection Service, 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 →

Spiky monthly series

Texas is the plurality state for Finmax Smart Capital LLC (23.1%)

The 2014-09 spike coincides with a 1,675-place gap between volume rank #1,662 and composite #3,337. Corpus placement method.

Plurality state: Texas 23.1%; Mid-band (15–30%) · 13 states with ≥1 filing
Spike month: 2014-09 33.3%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #1,662 volume; #3,337 composite; Cleanest-composite ladder is 1,675 places worse than volume

How does Finmax Smart Capital LLC compare to its peers?

How does Finmax Smart Capital 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

Finmax Smart Capital L… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

96%

100%

91%

Consumer-dispute ratelower is better

14%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-09 2016-01

Issue Detail Breakdown

Issue	Complaints
Communication tactics	15
Attempts to collect debt not owed	3
Took or threatened to take negative or legal action	3
Threatened to contact someone or share information improperly	3
Written notification about debt	1
False statements or representation	1

Where do complaints against Finmax Smart Capital LLC come from?

Finmax Smart Capital LLC's own per-state count, not a national baseline.

Texas

6
Arizona

3
Ohio

3
Alabama

2
Minnesota

2
Pennsylvania

2
Tennessee

2
Arkansas

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Finmax Smart Capital 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: 26.

4 peers

Know your rights before responding to Finmax Smart Capital 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.