What is the most common complaint against Model Finance Company?

The most common issue consumers report about Model Finance Company is "Attempts to collect debt not owed", specifically "Didn't receive enough information to verify debt". This is based on 14 complaints filed with the CFPB.

Are complaints against Model Finance Company increasing or decreasing?

Complaints against Model Finance Company are rising. The company received 5 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Model Finance Company's reputation grade?

Model Finance Company has a reputation grade of F (score: 48.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Model Finance Company respond to consumer complaints?

Model Finance Company has a 67% timely response rate to CFPB complaints.

In how many states does Model Finance Company operate?

Model Finance Company has received CFPB complaints from consumers in 5 states, with the most complaints from Texas (6 complaints).

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

Model Finance Company - Debt Collector Complaint Profile

CFPB complaint profile across 5 states, reputation grade F.

Compiled by PlainCollector

Attempts to collect debt not owed

3
Written notification about debt

3
Took or threatened to take negative or legal action

3
Threatened to contact someone or share information improperly

3
False statements or representation

1
Communication tactics

1

Data updated September 2026

CFPB complaint disposition

CCDB record model-finance-company Model Finance Company

Grade F · 14 CFPB filings · 67% timely · lead issue: Attempts to collect debt not owed · vol #2212 · compose #4250

VOL 14
GRADE F
12MO 5
STATES 5
TIMELY 67%
ISSUE Attempts to collect debt n…
RANK #2,212
COMPOSE #4,250

Volume peers

Nearest volume peer: 4 Star Resolution LLC (Closed) (14 complaints)

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

Model Finance Company's 14 CFPB complaints sit next to 4 Star Resolution LLC (Closed) 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

42.9% of Model Finance Company's CFPB filings land in Texas

High volume does not equal a clean composite: Model Finance Company is volume #2,212 but composite #4,250, while Texas dominates the geography. Corpus placement method.

Dominant state: Texas 42.9%; 6 of 14 filings · 5 states touched
Seasonal peak: 2021-02 9.5%; 8–15% band · 2 filings
Divergent corpus ranks: #2,212 volume; #4,250 composite; Cleanest-composite ladder is 2,038 places worse than volume

How does Model Finance Company compare to its peers?

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

Model Finance Company National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

67%

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-11 2025-10

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	3
Written notification about debt	3
Took or threatened to take negative or legal action	3
Threatened to contact someone or share information improperly	3
False statements or representation	1
Communication tactics	1

Where do complaints against Model Finance Company come from?

Model Finance Company's own per-state count, not a national baseline.

Texas

6
California

4
Georgia

2
Arkansas

1
Florida

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Model Finance Company: 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: 14.

4 peers

Know your rights before responding to Model Finance Company: 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.