Total CFPB complaints
7
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 7 complaints
Houston Finance Co. — Debt Collector Complaint Profile
CFPB complaint profile across 1 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Houston Finance Co.
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
4 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
2 complaints
- Cont'd attempts collect debt not owed 1
Cont'd attempts collect debt not owed
1 complaints
B
Grade B · 75.9/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about Houston Finance Co.?
Houston Finance Co. has accumulated 7 total CFPB complaints across 1 states, with 4 filed in the most recent 12 months against 3 historical complaints before that window. The trailing-12-month volume represents 57.1% 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 "Took or threatened to take negative or legal action", narrowing to "Threatened or suggested your credit would be damaged", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 86% timely-response rate against a 0% 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 1 states, led by Texas with 7, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 75.9/100 places Houston Finance Co. 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
4
57.1% of total history
Rising ↑
States active
1
Distinct state filings
Timely response rate
86%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
B
75.9/100 composite
Response-quality profile
How Houston Finance Co. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 85.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 1.8%
Share of US states + territories with at least one filed complaint against this collector.
How does Houston Finance Co. compare to its peers?
Houston Finance Co. 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)
2016-08 2026-02
Top Consumer Issues
Took or threatened to take negative or legal action4 (%)
Attempts to collect debt not owed2 (%)
Cont'd attempts collect debt not owed1 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
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 |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 4 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 2 |
| Cont'd attempts collect debt not owed | Debt was paid | 1 |
Where do complaints against Houston Finance Co. come from?
The states where consumers have filed the most CFPB complaints against Houston Finance Co.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Houston Finance Co.
Across 1 states with at least one filing
- Texas
Texas
7 complaints
Frequently Asked Questions
What is the most common complaint against Houston Finance Co.? ▼
The most common issue consumers report about Houston Finance Co. is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 7 complaints filed with the CFPB.
Are complaints against Houston Finance Co. increasing or decreasing? ▼
Complaints against Houston Finance Co. are rising. The company received 4 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Houston Finance Co.'s reputation grade? ▼
Houston Finance Co. has a reputation grade of B (score: 75.9/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does Houston Finance Co. respond to consumer complaints? ▼
Houston Finance Co. has a 86% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does Houston Finance Co. operate? ▼
Houston Finance Co. has received CFPB complaints from consumers in 1 states, with the most complaints from Texas (7 complaints).
What can I do if Houston Finance Co. 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 Houston Finance Co. 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 |