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

CFPB complaint data Grade D 26 complaints

Finmax Smart Capital LLC - Debt Collector Complaint Profile

CFPB complaint profile across 13 states, reputation grade D.

Complaints by issue type

What consumers report about Finmax Smart Capital LLC

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 58.3/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Finmax Smart Capital LLC ranks ahead of 36% of the 5,283 collectors PlainCollector grades - 64% keep a cleaner CFPB record, on 26 all-time complaints and a 96% timely-response rate.

36th pct
reputation rank of 5,283 graded collectors
26
CFPB complaints, all-time
96%
answered inside the CFPB window
6
in the last 12 months (stable)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Finmax Smart Capital LLC?

Finmax Smart Capital LLC has accumulated 26 total CFPB complaints across 13 states, with 6 filed in the most recent 12 months against 20 historical complaints before that window. The trailing-12-month volume represents 23.1% 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 "Communication tactics", narrowing to "Frequent or repeated calls". The company posts a 96% timely-response rate.

Complaints have been recorded across 13 states, led by Texas with 6 and Arizona with 3. Normalized against the full CFPB collector database, the reputation score of 58.3/100 places Finmax Smart Capital LLC in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

26

low-volume (CCDB)

Last 12 months

6

23.1% of all-time complaints

Stable →

States active

13

regional footprint

Timely response rate

96%

excellent band

Reputation grade

D

58.3/100 composite

How does Finmax Smart Capital LLC's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

58 36th percentile higher than 36% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Finmax Smart Capital LLC versus the debt-collection vertical average.

Timely response within SLA 96.2%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

State coverage breadth 23.2%

Share of US states + territories with at least one filed complaint against this collector.

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, drawn from 10 collectors with a comparable complaint count
Finmax Smart Capital L… National average
Complaints (last 12 mo)lower is better
6
0
268
Timely-response ratehigher is better
96%
100%
91%
Consumer-dispute ratelower is better
0%
14%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-09 2016-01

Issue Detail Breakdown

Issue Sub-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.

Top states by complaints against Finmax Smart Capital LLC

Across 13 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Finmax Smart Capital LLC contacts you

A grade of D signals how Finmax Smart Capital LLC's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Finmax Smart Capital LLC and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Finmax Smart Capital LLC ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 58.3/100), 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).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.