What is the most common complaint against Liberal Finance Service?

The most common issue consumers report about Liberal Finance Service is "Took or threatened to take negative or legal action", specifically "Threatened to sue you for very old debt". This is based on 1 complaints filed with the CFPB.

Are complaints against Liberal Finance Service increasing or decreasing?

Complaints against Liberal Finance Service are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Liberal Finance Service's reputation grade?

Liberal Finance Service has a reputation grade of A (score: 80.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Liberal Finance Service respond to consumer complaints?

Liberal Finance Service has a 100% timely response rate to CFPB complaints.

In how many states does Liberal Finance Service operate?

Liberal Finance Service has received CFPB complaints from consumers in 1 states, with the most complaints from New Jersey (1 complaints).

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

Liberal Finance Service - Debt Collector Complaint Profile

CFPB complaint profile across 1 states, reputation grade A.

Compiled by PlainCollector

Took or threatened to take negative or legal action

1

Data updated September 2026

CFPB complaint disposition

CCDB record liberal-finance-service Liberal Finance Service

Grade A · 1 CFPB filings · 100% timely · lead issue: Took or threatened to take negative or legal action · vol #4969 · compose #512

VOL 1
GRADE A
12MO 0
STATES 1
TIMELY 100%
ISSUE Took or threatened to take…
RANK #4,969
COMPOSE #512

Volume peers

Nearest volume peer: 245 Holdings LLC (1 complaints)

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

Liberal Finance Service's 1 CFPB complaints sit next to 245 Holdings 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

100.0% of Liberal Finance Service's CFPB filings land in New Jersey

High volume does not equal a clean composite: Liberal Finance Service is volume #4,969 but composite #512, while New Jersey dominates the geography. Corpus placement method.

Dominant state: New Jersey 100.0%; 1 of 1 filings · 1 states touched
Spike month: 2021-05 100.0%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #4,969 volume; #512 composite; Cleanest-composite ladder is 4,457 places better than volume

How does Liberal Finance Service compare to its peers?

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

Liberal Finance Servic… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2021-05 2021-05

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	1

Where do complaints against Liberal Finance Service come from?

Liberal Finance Service's own per-state count, not a national baseline.

New Jersey

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Liberal Finance Service: 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: 1.

4 peers

Know your rights before responding to Liberal Finance Service: 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.