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

CFPB complaint data Grade D 2,465 complaints

Phoenix Financial Services LLC - Debt Collector Complaint Profile

CFPB complaint profile across 50 states, reputation grade D.

Complaints by issue type

What consumers report about Phoenix Financial Services LLC

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 #350

  • VOL 2,465
  • GRADE D
  • 12MO 0
  • STATES 50
  • TIMELY 98%
  • DISPUTE 21%
  • ISSUE Attempts to collect debt n…
  • RANK #69
  • COMPOSE #350

Volume peers

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

Credit Acceptance CorporationCredit Acceptance Corporation2,440Phoenix Financial Services LLC (this)Phoenix Financial Services L…2,465Central Portfolio Control Inc.Central Portfolio Control In…2,476EOS Holdings, Inc.EOS Holdings, Inc.2,485Debt Recovery Solutions, LLCDebt Recovery Solutions, LLC2,500
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 →

How the 2,465 complaints break down

Every complaint issue type on record for Phoenix Financial Services LLC, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
51.4/100
Phoenix Financial Services LLC

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
2,465
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
98%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
21%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

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

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. 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
Corpus ranks
#69 volume
#350 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

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 Services LLC National average
Complaints (last 12 mo)lower is better
0
1,229
268
Timely-response ratehigher is better
98%
100%
91%
Consumer-dispute ratelower is better
21%
12%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Phoenix Financial Services LLC a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 75%80%85%90%95%100%105% 0%10%20%30%40%50% Timely response rate (%) Dispute rate (%) Phoenix Financial Services LLC vs. 10 similar-volume peers, by response speed and dispute rate Phoenix Financial Services LLCCentral Portfolio Control Inc.EOS Holdings, Inc.CREDIT ACCEPTANCE CORPORATIONDebt Recovery Solutions, LLCMedical Data Systems, Inc.MRS BPO, LLCRent Recovery SolutionsWestlake Services, LLCALLY FINANCIAL INC.The CMI Group, Inc.
Source: CFPB Consumer Complaint Database

Phoenix Financial Services LLC's complaint volume in context

Phoenix Financial Services LLC vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

2,465 Top 1% higher than 99% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Phoenix Financial Services LLC 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
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.

Top states by complaints against Phoenix Financial Services LLC

Across 50 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.