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

CFPB complaint data Grade D 363 complaints

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

CFPB complaint profile across 44 states, reputation grade D.

Complaints by issue type

What consumers report about LTD Financial Services, L.P.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 #307

  • VOL 363
  • GRADE D
  • 12MO 3
  • STATES 44
  • TIMELY 87%
  • DISPUTE 10%
  • ISSUE Attempts to collect debt n…
  • RANK #342
  • COMPOSE #307

Volume peers

Nearest volume peer: Rfna, LP (362 complaints)

American Collections Enterprise, Inc.American Collections Enterpr…359A.R.M. Solutions, Inc.A.R.M. Solutions, Inc.361Rfna, LPRfna, LP362LTD Financial Services, L.P. (this)LTD Financial Services, L.P.…363Patenaude & Felix A Professional CorporationPatenaude & Felix A Professi…367
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 →

How the 363 complaints break down

Every complaint issue type on record for LTD Financial Services, L.P., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
52.3/100
LTD Financial Services, L.P.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
363
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
87%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
10%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

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

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. 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)
Corpus ranks
#342 volume
#307 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

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, L.P. National average
Complaints (last 12 mo)lower is better
3
124
268
Timely-response ratehigher is better
87%
98%
91%
Consumer-dispute ratelower is better
10%
8%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy LTD Financial Services, L.P. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 85%90%95%100%105% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) LTD Financial Services, L.P. vs. 9 similar-volume peers, by response speed and dispute rate LTD Financial Services, L.P.RFNA, LPA.R.M. Solutions, Inc.Patenaude & Felix A Professional CorporationAmerican Collections Enterprise, Inc.GULF COAST COLLECTION BUREAU, INC.Rubin & Rothman, LLCConcord Servicing CorporationViking Client ServicesU.S. Collections West, Inc.
Source: CFPB Consumer Complaint Database

LTD Financial Services, L.P.'s complaint volume in context

LTD Financial Services, L.P. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

363 Top 6% higher than 94% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. LTD Financial Services, L.P. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
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.

Top states by complaints against LTD Financial Services, L.P.

Across 44 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.