What is the most common complaint against Phoenix Financial Services LLC?

The most common issue consumers report about Phoenix Financial Services LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 2,465 complaints filed with the CFPB.

Are complaints against Phoenix Financial Services LLC increasing or decreasing?

Complaints against Phoenix Financial Services LLC are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Phoenix Financial Services LLC's reputation grade?

Phoenix Financial Services LLC has a reputation grade of D (score: 51.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Phoenix Financial Services LLC respond to consumer complaints?

Phoenix Financial Services LLC has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 21% of cases.

In how many states does Phoenix Financial Services LLC operate?

Phoenix Financial Services LLC has received CFPB complaints from consumers in 50 states, with the most complaints from Texas (536 complaints).

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

Phoenix Financial Services LLC - Debt Collector Complaint Profile

CFPB complaint profile across 50 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

1,224
Written notification about debt

641
Communication tactics

184
Took or threatened to take negative or legal action

129
False statements or representation

125
Cont'd attempts collect debt not owed

75

Data updated September 2026

CFPB complaint disposition

CCDB record phoenix-financial-services-llc Phoenix Financial Services LLC

Grade D · 2,465 CFPB filings · 98% timely · lead issue: Attempts to collect debt not owed · vol #69 · compose #3994

VOL 2,465
GRADE D
12MO 0
STATES 50
TIMELY 98%
DISPUTE 21%
ISSUE Attempts to collect debt n…
RANK #69
COMPOSE #3,994

Volume peers

Nearest volume peer: Central Portfolio Control Inc. (2,476 complaints)

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

Phoenix Financial Services LLC's 2,465 CFPB complaints sit next to Central Portfolio Control Inc. 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 →

Filing geometry

Texas is the plurality state for Phoenix Financial Services LLC (21.7%)

Volume rank #69 and composite rank #3,994 diverge by 3,925 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Texas 21.7%; Mid-band (15–30%) · 50 states with ≥1 filing
Seasonal peak: 2025-10 9.0%; 8–15% band · 12 filings
Divergent corpus ranks: #69 volume; #3,994 composite; Cleanest-composite ladder is 3,925 places worse than volume

How does Phoenix Financial Services LLC compare to its peers?

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

Phoenix Financial Serv… National average

Complaints (last 12 mo)lower is better

1,229

268

Timely-response ratehigher is better

98%

100%

91%

Consumer-dispute ratelower is better

21%

12%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	1,224
Written notification about debt	641
Communication tactics	184
Took or threatened to take negative or legal action	129
False statements or representation	125
Cont'd attempts collect debt not owed	75
Disclosure verification of debt	56
Threatened to contact someone or share information improperly	21
Improper contact or sharing of info	9
Electronic communications	1

Where do complaints against Phoenix Financial Services LLC come from?

Phoenix Financial Services LLC's own per-state count, not a national baseline.

Texas

536
Florida

413
California

143
Georgia

135
Ohio

127
Virginia

90
Illinois

83
North Carolina

69

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Phoenix Financial Services LLC: 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: 2,465.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 98.01297648012977%.

4 peers

Know your rights before responding to Phoenix Financial Services LLC: 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.