Total CFPB complaints
36
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 36 complaints
Pathfinder Credit Services — Debt Collector Complaint Profile
CFPB complaint profile across 9 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Pathfinder Credit Services
- Attempts to collect debt not owed
Attempts to collect debt not owed
16 complaints
- Written notification about debt 6
Written notification about debt
6 complaints
- False statements or representation 5
False statements or representation
5 complaints
- Disclosure verification of debt 4
Disclosure verification of debt
4 complaints
- Cont'd attempts collect debt not owed 2
Cont'd attempts collect debt not owed
2 complaints
- Electronic communications 1
Electronic communications
1 complaints
C
Grade C · 64.7/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Pathfinder Credit Services?
Pathfinder Credit Services has accumulated 36 total CFPB complaints across 9 states, with 5 filed in the most recent 12 months against 31 historical complaints before that window. The trailing-12-month volume represents 13.9% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
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 100% timely-response rate against a 22% 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 9 states, led by Florida with 13 and Georgia with 8, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 64.7/100 places Pathfinder Credit Services in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
5
13.9% of total history
Stable →
States active
9
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
22%
After company response
Reputation grade
C
64.7/100 composite
Response-quality profile
How Pathfinder Credit Services performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 44.4%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 16.1%
Share of US states + territories with at least one filed complaint against this collector.
How does Pathfinder Credit Services compare to its peers?
Pathfinder Credit Serv… 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)
2016-02 2026-02
Top Consumer Issues
Attempts to collect debt not owed16 (%)
False statements or representation5 (%)
Disclosure verification of debt4 (%)
Written notification about debt6 (%)
Cont'd attempts collect debt not owed2 (%)
Electronic communications1 (%)
Took or threatened to take negative or legal action1 (%)
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 | 8 |
| Attempts to collect debt not owed | Debt was result of identity theft | 6 |
| False statements or representation | Attempted to collect wrong amount | 5 |
| Disclosure verification of debt | Not given enough info to verify debt | 4 |
| Written notification about debt | Didn't receive enough information to verify debt | 4 |
| Attempts to collect debt not owed | Debt was paid | 2 |
| Written notification about debt | Didn't receive notice of right to dispute | 2 |
| Cont'd attempts collect debt not owed | Debt is not mine | 2 |
| Electronic communications | Frequent or repeated messages | 1 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
Where do complaints against Pathfinder Credit Services come from?
The states where consumers have filed the most CFPB complaints against Pathfinder Credit Services. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Pathfinder Credit Services
Across 9 states with at least one filing
- Florida
Florida
13 complaints
- Georgia
Georgia
8 complaints
- Texas 5
Texas
5 complaints
- California 2
California
2 complaints
- North Carolina 2
North Carolina
2 complaints
- Tennessee 2
Tennessee
2 complaints
- Alabama 2
Alabama
2 complaints
- Kentucky 1
Kentucky
1 complaints
Frequently Asked Questions
What is the most common complaint against Pathfinder Credit Services? ▼
The most common issue consumers report about Pathfinder Credit Services is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 36 complaints filed with the CFPB.
Are complaints against Pathfinder Credit Services increasing or decreasing? ▼
Complaints against Pathfinder Credit Services have been stable. The company received 5 complaints in the last 12 months.
What is Pathfinder Credit Services's reputation grade? ▼
Pathfinder Credit Services has a reputation grade of C (score: 64.7/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Pathfinder Credit Services respond to consumer complaints? ▼
Pathfinder Credit Services has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 22% of cases.
In how many states does Pathfinder Credit Services operate? ▼
Pathfinder Credit Services has received CFPB complaints from consumers in 9 states, with the most complaints from Florida (13 complaints).
What can I do if Pathfinder Credit Services 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 Pathfinder Credit Services 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 |