Total CFPB complaints
2,466
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 2,466 complaints
Phoenix Financial Services LLC — Debt Collector Complaint Profile
CFPB complaint profile across 50 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Phoenix Financial Services LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
1,194 complaints
- Written notification about debt
Written notification about debt
625 complaints
- Communication tactics 139
Communication tactics
139 complaints
- False statements or representation 110
False statements or representation
110 complaints
- Took or threatened to take negative or legal action 104
Took or threatened to take negative or legal action
104 complaints
- Cont'd attempts collect debt not owed 46
Cont'd attempts collect debt not owed
46 complaints
D
Grade D · 54.5/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Phoenix Financial Services LLC?
Phoenix Financial Services LLC has accumulated 2,466 total CFPB complaints across 50 states, with 0 filed in the most recent 12 months against 2,466 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 "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 98% timely-response rate against a 21% 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 50 states, led by Texas with 536 and Florida with 413, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 54.5/100 places Phoenix Financial Services LLC in grade band D, 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
50
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Consumer disputes
21%
After company response
Reputation grade
D
54.5/100 composite
Response-quality profile
How Phoenix Financial Services LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 98.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 41.6%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 89.3%
Share of US states + territories with at least one filed complaint against this collector.
How does Phoenix Financial Services LLC compare to its peers?
Phoenix Financial 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)
2023-04 2025-03
Top Consumer Issues
Attempts to collect debt not owed1,194 (%)
Written notification about debt625 (%)
False statements or representation110 (%)
Took or threatened to take negative or legal action104 (%)
Communication tactics139 (%)
Cont'd attempts collect debt not owed46 (%)
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 | 734 |
| Written notification about debt | Didn't receive enough information to verify debt | 464 |
| Attempts to collect debt not owed | Debt was paid | 255 |
| Attempts to collect debt not owed | Debt was result of identity theft | 205 |
| Written notification about debt | Didn't receive notice of right to dispute | 161 |
| False statements or representation | Attempted to collect wrong amount | 110 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 104 |
| Communication tactics | Frequent or repeated calls | 88 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 51 |
| Cont'd attempts collect debt not owed | Debt is not mine | 46 |
Where do complaints against Phoenix Financial Services LLC come from?
The states where consumers have filed the most CFPB complaints against Phoenix Financial Services LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Phoenix Financial Services LLC
Across 50 states with at least one filing
- Texas
Texas
536 complaints
- Florida
Florida
413 complaints
- California 143
California
143 complaints
- Georgia 135
Georgia
135 complaints
- Ohio 127
Ohio
127 complaints
- Virginia 90
Virginia
90 complaints
- Illinois 83
Illinois
83 complaints
- North Carolina 69
North Carolina
69 complaints
Frequently Asked Questions
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 2,466 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: 54.5/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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).
What can I do if Phoenix Financial Services 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 Phoenix Financial Services 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 |