Total CFPB complaints
12
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 12 complaints
Horizon Financial Management — Debt Collector Complaint Profile
CFPB complaint profile across 4 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Horizon Financial Management
- Disclosure verification of debt
Disclosure verification of debt
3 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
3 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
2 complaints
- Improper contact or sharing of info
Improper contact or sharing of info
2 complaints
- False statements or representation 1
False statements or representation
1 complaints
- Communication tactics 1
Communication tactics
1 complaints
B
Grade B · 66.4/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about Horizon Financial Management?
Horizon Financial Management has accumulated 12 total CFPB complaints across 4 states, with 0 filed in the most recent 12 months against 12 historical complaints before that window. The trailing-12-month volume represents 0.0% 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 "Disclosure verification of debt", narrowing to "Not given enough info to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 83% timely-response rate against a 20% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 4 states, led by New York with 6 and Virginia with 4, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 66.4/100 places Horizon Financial Management in grade band B, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
4
Distinct state filings
Timely response rate
83%
Within CFPB SLA window
Consumer disputes
20%
After company response
Reputation grade
B
66.4/100 composite
Response-quality profile
How Horizon Financial Management performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 83.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 40.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 7.1%
Share of US states + territories with at least one filed complaint against this collector.
How does Horizon Financial Management compare to its peers?
Horizon Financial Mana… 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)
2014-11 2018-02
Top Consumer Issues
Disclosure verification of debt3 (%)
Cont'd attempts collect debt not owed3 (%)
False statements or representation1 (%)
Attempts to collect debt not owed2 (%)
Improper contact or sharing of info2 (%)
Communication tactics1 (%)
Most common issue: Disclosure verification of debt — Not given enough info to verify debt
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 |
|---|---|---|
| Disclosure verification of debt | Not given enough info to verify debt | 2 |
| Cont'd attempts collect debt not owed | Debt was paid | 2 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
| Improper contact or sharing of info | Talked to a third party about my debt | 1 |
| Attempts to collect debt not owed | Debt was paid | 1 |
| Improper contact or sharing of info | Contacted me after I asked not to | 1 |
| Disclosure verification of debt | Right to dispute notice not received | 1 |
| Communication tactics | Frequent or repeated calls | 1 |
Where do complaints against Horizon Financial Management come from?
The states where consumers have filed the most CFPB complaints against Horizon Financial Management. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Horizon Financial Management
Across 4 states with at least one filing
- New York
New York
6 complaints
- Virginia
Virginia
4 complaints
- Texas 1
Texas
1 complaints
- South Carolina 1
South Carolina
1 complaints
Frequently Asked Questions
What is the most common complaint against Horizon Financial Management? ▼
The most common issue consumers report about Horizon Financial Management is "Disclosure verification of debt", 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 have been stable. The company received 0 complaints in the last 12 months.
What is Horizon Financial Management's reputation grade? ▼
Horizon Financial Management has a reputation grade of B (score: 66.4/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
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).
What can I do if Horizon Financial Management 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 Horizon Financial Management 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 |