What is the most common complaint against LTD Financial Services, L.P.?

The most common issue consumers report about LTD Financial Services, L.P. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 363 complaints filed with the CFPB.

Are complaints against LTD Financial Services, L.P. increasing or decreasing?

Complaints against LTD Financial Services, L.P. are falling. The company received 3 complaints in the last 12 months, showing improvement over prior periods.

What is LTD Financial Services, L.P.'s reputation grade?

LTD Financial Services, L.P. has a reputation grade of D (score: 52.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does LTD Financial Services, L.P. respond to consumer complaints?

LTD Financial Services, L.P. has a 87% timely response rate to CFPB complaints. Consumers disputed the company's response in 10% of cases.

In how many states does LTD Financial Services, L.P. operate?

LTD Financial Services, L.P. has received CFPB complaints from consumers in 44 states, with the most complaints from Texas (49 complaints).

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

LTD Financial Services, L.P. - Debt Collector Complaint Profile

CFPB complaint profile across 44 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

118
Communication tactics

68
Written notification about debt

59
Cont'd attempts collect debt not owed

36
False statements or representation

27
Improper contact or sharing of info

19

Data updated September 2026

CFPB complaint disposition

CCDB record ltd-financial-services-lp LTD Financial Services, L.P.

Grade D · 363 CFPB filings · 87% timely · lead issue: Attempts to collect debt not owed · vol #342 · compose #3836

VOL 363
GRADE D
12MO 3
STATES 44
TIMELY 87%
DISPUTE 10%
ISSUE Attempts to collect debt n…
RANK #342
COMPOSE #3,836

Volume peers

Nearest volume peer: Rfna, LP (362 complaints)

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

LTD Financial Services, L.P.'s 363 CFPB complaints sit next to Rfna, LP 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 →

Distributed filing map

LTD Financial Services, L.P. spreads filings across 44 states - Texas leads at only 13.5%

Despite a broad state map, LTD Financial Services, L.P. still sits volume #342 against composite #3,836 - the two RankMaps diverge by 3,494 places. Corpus placement method.

Most-even geography: Lead state under 15%; Texas still leads at 13.5% across 44 states
Even monthly load: Peak under 8%; Highest month 2025-05 at 7.6% (45 filings)
Divergent corpus ranks: #342 volume; #3,836 composite; Cleanest-composite ladder is 3,494 places worse than volume

How does LTD Financial Services, L.P. compare to its peers?

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

LTD Financial Services… National average

Complaints (last 12 mo)lower is better

124

268

Timely-response ratehigher is better

87%

98%

91%

Consumer-dispute ratelower is better

10%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	118
Communication tactics	68
Written notification about debt	59
Cont'd attempts collect debt not owed	36
False statements or representation	27
Improper contact or sharing of info	19
Disclosure verification of debt	17
Took or threatened to take negative or legal action	13
Threatened to contact someone or share information improperly	3
Taking/threatening an illegal action	2

Where do complaints against LTD Financial Services, L.P. come from?

LTD Financial Services, L.P.'s own per-state count, not a national baseline.

Texas

49
Florida

45
California

38
Georgia

24
New York

21
Illinois

17
Colorado

13
North Carolina

12

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for LTD Financial Services, L.P.: 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: 363.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 87.32782369146005%.

4 peers

Know your rights before responding to LTD Financial Services, L.P.: 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.