What is the most common complaint against Horizon Financial Management?

The most common issue consumers report about Horizon Financial Management is "Cont'd attempts collect debt not owed", specifically "Not given enough info to verify debt". This is based on 12 complaints filed with the CFPB.

Are complaints against Horizon Financial Management increasing or decreasing?

Complaints against Horizon Financial Management are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Horizon Financial Management's reputation grade?

Horizon Financial Management has a reputation grade of B (score: 62.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Horizon Financial Management respond to consumer complaints?

Horizon Financial Management has a 83% timely response rate to CFPB complaints. Consumers disputed the company's response in 20% of cases.

In how many states does Horizon Financial Management operate?

Horizon Financial Management has received CFPB complaints from consumers in 4 states, with the most complaints from New York (6 complaints).

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

Horizon Financial Management - Debt Collector Complaint Profile

CFPB complaint profile across 4 states, reputation grade B.

Compiled by PlainCollector

Cont'd attempts collect debt not owed

3
Disclosure verification of debt

3
Attempts to collect debt not owed

2
Improper contact or sharing of info

2
False statements or representation

1
Communication tactics

1

Data updated September 2026

CFPB complaint disposition

CCDB record horizon-financial-management Horizon Financial Management

Grade B · 12 CFPB filings · 83% timely · lead issue: Cont'd attempts collect debt not owed · vol #2323 · compose #2082

VOL 12
GRADE B
12MO 0
STATES 4
TIMELY 83%
DISPUTE 20%
ISSUE Cont'd attempts collect de…
RANK #2,323
COMPOSE #2,082

Volume peers

Nearest volume peer: 1803 Capital, LLC (12 complaints)

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

Horizon Financial Management's 12 CFPB complaints sit next to 1803 Capital, LLC 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 →

State-heavy filing map

50.0% of Horizon Financial Management's CFPB filings land in New York

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state: New York 50.0%; 6 of 12 filings · 4 states touched
Spike month: 2023-03 100.0%; 1 filings that month · spiky (≥15% of series)
Corpus ranks: #2,323 volume; #2,082 composite; Among 5,420 volume-ranked / 5,278 scored collectors

How does Horizon Financial Management compare to its peers?

How does Horizon Financial Management compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Horizon Financial Mana… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

83%

67%

91%

Consumer-dispute ratelower is better

20%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-03 2023-03

Issue Detail Breakdown

Issue	Complaints
Cont'd attempts collect debt not owed	3
Disclosure verification of debt	3
Attempts to collect debt not owed	2
Improper contact or sharing of info	2
False statements or representation	1
Communication tactics	1

Where do complaints against Horizon Financial Management come from?

Horizon Financial Management's own per-state count, not a national baseline.

New York

6
Virginia

4
South Carolina

1
Texas

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Horizon Financial Management: 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: 12.

4 peers

Know your rights before responding to Horizon Financial Management: 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.