Total CFPB complaints
11
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 11 complaints
Livingston Financial, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 8 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Livingston Financial, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
5 complaints
- False statements or representation
False statements or representation
2 complaints
- Cont'd attempts collect debt not owed 1
Cont'd attempts collect debt not owed
1 complaints
- Improper contact or sharing of info 1
Improper contact or sharing of info
1 complaints
- Took or threatened to take negative or legal action 1
Took or threatened to take negative or legal action
1 complaints
- Disclosure verification of debt 1
Disclosure verification of debt
1 complaints
C
Grade C · 64.2/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Livingston Financial, LLC?
Livingston Financial, LLC has accumulated 11 total CFPB complaints across 8 states, with 1 filed in the most recent 12 months against 10 historical complaints before that window. The trailing-12-month volume represents 9.1% 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 "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 91% timely-response rate against a 40% 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 8 states, led by Oregon with 2 and California with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 64.2/100 places Livingston Financial, LLC in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
1
9.1% of total history
Rising ↑
States active
8
Distinct state filings
Timely response rate
91%
Within CFPB SLA window
Consumer disputes
40%
After company response
Reputation grade
C
64.2/100 composite
Response-quality profile
How Livingston Financial, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 90.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 80.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 14.3%
Share of US states + territories with at least one filed complaint against this collector.
How does Livingston Financial, LLC compare to its peers?
Livingston Financial, … 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)
2014-09 2025-04
Top Consumer Issues
Attempts to collect debt not owed5 (%)
False statements or representation2 (%)
Cont'd attempts collect debt not owed1 (%)
Improper contact or sharing of info1 (%)
Took or threatened to take negative or legal action1 (%)
Disclosure verification of debt1 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 3 |
| False statements or representation | Attempted to collect wrong amount | 2 |
| Attempts to collect debt not owed | Debt was result of identity theft | 2 |
| Cont'd attempts collect debt not owed | Debt was paid | 1 |
| Improper contact or sharing of info | Contacted me after I asked not to | 1 |
| Took or threatened to take negative or legal action | Collected or attempted to collect exempt funds | 1 |
| Disclosure verification of debt | Not given enough info to verify debt | 1 |
Where do complaints against Livingston Financial, LLC come from?
The states where consumers have filed the most CFPB complaints against Livingston Financial, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Livingston Financial, LLC
Across 8 states with at least one filing
- Oregon
Oregon
2 complaints
- California
California
2 complaints
- Michigan
Michigan
2 complaints
- Ohio
Ohio
1 complaints
- Kentucky
Kentucky
1 complaints
- Kansas
Kansas
1 complaints
- Minnesota
Minnesota
1 complaints
- New York
New York
1 complaints
Frequently Asked Questions
What is the most common complaint against Livingston Financial, LLC? ▼
The most common issue consumers report about Livingston Financial, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 11 complaints filed with the CFPB.
Are complaints against Livingston Financial, LLC increasing or decreasing? ▼
Complaints against Livingston Financial, LLC are rising. The company received 1 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Livingston Financial, LLC's reputation grade? ▼
Livingston Financial, LLC has a reputation grade of C (score: 64.2/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Livingston Financial, LLC respond to consumer complaints? ▼
Livingston Financial, LLC has a 91% timely response rate to CFPB complaints. Consumers disputed the company's response in 40% of cases.
In how many states does Livingston Financial, LLC operate? ▼
Livingston Financial, LLC has received CFPB complaints from consumers in 8 states, with the most complaints from Oregon (2 complaints).
What can I do if Livingston Financial, 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 Livingston Financial, 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 |