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

CFPB complaint data Grade D 14 complaints

Model Finance Company - Debt Collector Complaint Profile

CFPB complaint profile across 5 states, reputation grade D.

Complaints by issue type

What consumers report about Model Finance Company

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 52.6/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Model Finance Company ranks ahead of 20% of the 5,283 collectors PlainCollector grades - 80% keep a cleaner CFPB record, on 14 all-time complaints and a 67% timely-response rate.

20th pct
reputation rank of 5,283 graded collectors
14
CFPB complaints, all-time
67%
answered inside the CFPB window
5
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Model Finance Company?

Model Finance Company has accumulated 14 total CFPB complaints across 5 states, with 5 filed in the most recent 12 months against 9 historical complaints before that window. The trailing-12-month volume represents 35.7% 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 "Attempts to collect debt not owed", narrowing to "Didn't receive enough information to verify debt". The company posts a 67% timely-response rate.

Complaints have been recorded across 5 states, led by Texas with 6 and California with 4. Normalized against the full CFPB collector database, the reputation score of 52.6/100 places Model Finance Company in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

14

low-volume (CCDB)

Last 12 months

5

35.7% of all-time complaints

Rising ↑

States active

5

regional footprint

Timely response rate

67%

below sla band

Reputation grade

D

52.6/100 composite

How does Model Finance Company's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

53 Bottom 20% higher than 20% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Model Finance Company versus the debt-collection vertical average.

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?

How does Model Finance Company compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Model Finance Company National average
Complaints (last 12 mo)lower is better
5
0
268
Timely-response ratehigher is better
67%
100%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-11 2025-10

Issue Detail Breakdown

Issue Sub-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.

Top states by complaints against Model Finance Company

Across 5 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Model Finance Company contacts you

A grade of D signals how Model Finance Company's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Model Finance Company and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Model Finance Company ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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 D (score: 52.6/100), 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).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.