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
Pharus Funding LLC — Debt Collector Complaint Profile
CFPB complaint profile across 7 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Pharus Funding LLC
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
5 complaints
- Written notification about debt
Written notification about debt
4 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
2 complaints
- False statements or representation 1
False statements or representation
1 complaints
C
Grade C · 64.8/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Pharus Funding LLC?
Pharus Funding LLC has accumulated 12 total CFPB complaints across 7 states, with 0 filed in the most recent 12 months against 12 historical complaints before that window. The trailing-12-month volume represents 0.0% 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 "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 100% 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 7 states, led by Arizona with 4 and Indiana with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 64.8/100 places Pharus Funding LLC 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
0
0.0% of total history
Falling ↓
States active
7
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
C
64.8/100 composite
Response-quality profile
How Pharus Funding LLC 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.
State coverage breadth 12.5%
Share of US states + territories with at least one filed complaint against this collector.
How does Pharus Funding LLC compare to its peers?
Pharus Funding LLC 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)
2018-11 2024-12
Top Consumer Issues
Written notification about debt4 (%)
Attempts to collect debt not owed2 (%)
Took or threatened to take negative or legal action5 (%)
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 |
| Attempts to collect debt not owed | Debt is not yours | 2 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 2 |
| Written notification about debt | Didn't receive notice of right to dispute | 2 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 2 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
Where do complaints against Pharus Funding LLC come from?
The states where consumers have filed the most CFPB complaints against Pharus Funding LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Pharus Funding LLC
Across 7 states with at least one filing
- Arizona
Arizona
4 complaints
- Indiana
Indiana
2 complaints
- Texas
Texas
2 complaints
- California 1
California
1 complaints
- Illinois 1
Illinois
1 complaints
- Mississippi 1
Mississippi
1 complaints
- Maryland 1
Maryland
1 complaints
Frequently Asked Questions
What is the most common complaint against Pharus Funding LLC? ▼
The most common issue consumers report about Pharus Funding LLC 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 Pharus Funding LLC increasing or decreasing? ▼
Complaints against Pharus Funding LLC are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.
What is Pharus Funding LLC's reputation grade? ▼
Pharus Funding LLC has a reputation grade of C (score: 64.8/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Pharus Funding LLC respond to consumer complaints? ▼
Pharus Funding LLC has a 100% timely response rate to CFPB complaints.
In how many states does Pharus Funding LLC operate? ▼
Pharus Funding LLC has received CFPB complaints from consumers in 7 states, with the most complaints from Arizona (4 complaints).
What can I do if Pharus Funding LLC 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 Pharus Funding LLC 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 |