Total CFPB complaints
26
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 26 complaints
Finmax Smart Capital LLC — Debt Collector Complaint Profile
CFPB complaint profile across 13 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Finmax Smart Capital LLC
- Communication tactics
Communication tactics
14 complaints
- Attempts to collect debt not owed 3
Attempts to collect debt not owed
3 complaints
- Threatened to contact someone or share information improperly 3
Threatened to contact someone or share information improperly
3 complaints
- Took or threatened to take negative or legal action 2
Took or threatened to take negative or legal action
2 complaints
- Written notification about debt 1
Written notification about debt
1 complaints
D
Grade D · 58.3/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Finmax Smart Capital LLC?
Finmax Smart Capital LLC has accumulated 26 total CFPB complaints across 13 states, with 10 filed in the most recent 12 months against 16 historical complaints before that window. The trailing-12-month volume represents 38.5% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "Frequent or repeated calls", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 96% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 13 states, led by Texas with 6 and Arizona with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 58.3/100 places Finmax Smart Capital LLC 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
10
38.5% of total history
Rising ↑
States active
13
Distinct state filings
Timely response rate
96%
Within CFPB SLA window
Reputation grade
D
58.3/100 composite
Response-quality profile
How Finmax Smart Capital LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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?
Finmax Smart Capital L… 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)
2021-10 2025-12
Top Consumer Issues
Communication tactics14 (%)
Attempts to collect debt not owed3 (%)
Threatened to contact someone or share information improperly3 (%)
Took or threatened to take negative or legal action2 (%)
Written notification about debt1 (%)
Most common issue: Communication tactics — Frequent or repeated calls
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 |
|---|---|---|
| Communication tactics | Frequent or repeated calls | 9 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 4 |
| Attempts to collect debt not owed | Debt is not yours | 2 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 2 |
| Attempts to collect debt not owed | Debt was paid | 1 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
| Threatened to contact someone or share information improperly | Contacted your employer | 1 |
| Communication tactics | Called before 8am or after 9pm | 1 |
| Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | 1 |
Where do complaints against Finmax Smart Capital LLC come from?
The states where consumers have filed the most CFPB complaints against Finmax Smart Capital LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Finmax Smart Capital LLC
Across 13 states with at least one filing
- Texas
Texas
6 complaints
- Arizona
Arizona
3 complaints
- Ohio
Ohio
3 complaints
- Minnesota 2
Minnesota
2 complaints
- Alabama 2
Alabama
2 complaints
- Tennessee 2
Tennessee
2 complaints
- Pennsylvania 2
Pennsylvania
2 complaints
- Arkansas 1
Arkansas
1 complaints
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 are rising. The company received 10 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Finmax Smart Capital LLC's reputation grade? ▼
Finmax Smart Capital LLC has a reputation grade of D (score: 58.3/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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).
What can I do if Finmax Smart Capital LLC 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 Finmax Smart Capital LLC 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 |