Total CFPB complaints
12
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 12 complaints
Model Finance Company — Debt Collector Complaint Profile
CFPB complaint profile across 5 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Model Finance Company
- Threatened to contact someone or share information improperly
Threatened to contact someone or share information improperly
3 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
3 complaints
- Written notification about debt
Written notification about debt
2 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
2 complaints
- Communication tactics 1
Communication tactics
1 complaints
- False statements or representation 1
False statements or representation
1 complaints
D
Grade D · 52.6/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Model Finance Company?
Model Finance Company has accumulated 12 total CFPB complaints across 5 states, with 4 filed in the most recent 12 months against 8 historical complaints before that window. The trailing-12-month volume represents 33.3% 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 "Written notification about debt", narrowing to "Didn't receive enough information to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 67% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 5 states, led by Texas with 5 and California with 4, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 52.6/100 places Model Finance Company 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
4
33.3% of total history
Rising ↑
States active
5
Distinct state filings
Timely response rate
67%
Within CFPB SLA window
Reputation grade
D
52.6/100 composite
Response-quality profile
How Model Finance Company performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 66.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 8.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Model Finance Company compare to its peers?
Model Finance Company 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)
2017-09 2025-12
Top Consumer Issues
Written notification about debt2 (%)
Threatened to contact someone or share information improperly3 (%)
Took or threatened to take negative or legal action2 (%)
Communication tactics1 (%)
Attempts to collect debt not owed3 (%)
False statements or representation1 (%)
Most common issue: Written notification about debt — Didn't receive enough information to verify debt
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 |
|---|---|---|
| Written notification about debt | Didn't receive enough information to verify debt | 2 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 2 |
| Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | 1 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 1 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 1 |
| Threatened to contact someone or share information improperly | Contacted you after you asked them to stop | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
Where do complaints against Model Finance Company come from?
The states where consumers have filed the most CFPB complaints against Model Finance Company. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Model Finance Company
Across 5 states with at least one filing
- Texas
Texas
5 complaints
- California
California
4 complaints
- Florida 1
Florida
1 complaints
- Georgia 1
Georgia
1 complaints
- Arkansas 1
Arkansas
1 complaints
Frequently Asked Questions
What is the most common complaint against Model Finance Company? ▼
The most common issue consumers report about Model Finance Company is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 12 complaints filed with the CFPB.
Are complaints against Model Finance Company increasing or decreasing? ▼
Complaints against Model Finance Company are rising. The company received 4 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 D (score: 52.6/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (5 complaints).
What can I do if Model Finance Company 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 Model Finance Company 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 |