Total CFPB complaints
363
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 363 complaints
LTD Financial Services, L.P. — Debt Collector Complaint Profile
CFPB complaint profile across 43 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about LTD Financial Services, L.P.
- Attempts to collect debt not owed
Attempts to collect debt not owed
116 complaints
- Written notification about debt
Written notification about debt
56 complaints
- Communication tactics
Communication tactics
50 complaints
- Cont'd attempts collect debt not owed 23
Cont'd attempts collect debt not owed
23 complaints
- False statements or representation 23
False statements or representation
23 complaints
- Disclosure verification of debt 12
Disclosure verification of debt
12 complaints
D
Grade D · 55.5/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about LTD Financial Services, L.P.?
LTD Financial Services, L.P. has accumulated 363 total CFPB complaints across 43 states, with 2 filed in the most recent 12 months against 361 historical complaints before that window. The trailing-12-month volume represents 0.6% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
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 87% timely-response rate against a 10% 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 43 states, led by Texas with 49 and Florida with 45, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 55.5/100 places LTD Financial Services, L.P. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
2
0.6% of total history
Falling ↓
States active
43
Distinct state filings
Timely response rate
87%
Within CFPB SLA window
Consumer disputes
10%
After company response
Reputation grade
D
55.5/100 composite
Response-quality profile
How LTD Financial Services, L.P. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 87.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 19.5%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 76.8%
Share of US states + territories with at least one filed complaint against this collector.
How does LTD Financial Services, L.P. compare to its peers?
LTD Financial Services… 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)
2022-06 2026-02
Top Consumer Issues
Attempts to collect debt not owed116 (%)
Communication tactics50 (%)
Written notification about debt56 (%)
Cont'd attempts collect debt not owed23 (%)
False statements or representation23 (%)
Disclosure verification of debt12 (%)
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 | 64 |
| Communication tactics | Frequent or repeated calls | 38 |
| Written notification about debt | Didn't receive enough information to verify debt | 35 |
| Attempts to collect debt not owed | Debt was paid | 26 |
| Attempts to collect debt not owed | Debt was result of identity theft | 26 |
| Cont'd attempts collect debt not owed | Debt is not mine | 23 |
| False statements or representation | Attempted to collect wrong amount | 23 |
| Written notification about debt | Didn't receive notice of right to dispute | 21 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 12 |
| Disclosure verification of debt | Not given enough info to verify debt | 12 |
Where do complaints against LTD Financial Services, L.P. come from?
The states where consumers have filed the most CFPB complaints against LTD Financial Services, L.P.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against LTD Financial Services, L.P.
Across 43 states with at least one filing
- Texas
Texas
49 complaints
- Florida
Florida
45 complaints
- California
California
38 complaints
- Georgia
Georgia
24 complaints
- New York
New York
21 complaints
- Illinois 17
Illinois
17 complaints
- Colorado 13
Colorado
13 complaints
- North Carolina 12
North Carolina
12 complaints
Frequently Asked Questions
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 2 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: 55.5/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 43 states, with the most complaints from Texas (49 complaints).
What can I do if LTD Financial Services, L.P. 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 LTD Financial Services, L.P. 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 |