Total CFPB complaints
625
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 625 complaints
Professional Finance Company, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 41 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Professional Finance Company, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
206 complaints
- Written notification about debt
Written notification about debt
118 complaints
- False statements or representation 68
False statements or representation
68 complaints
- Cont'd attempts collect debt not owed 63
Cont'd attempts collect debt not owed
63 complaints
- Took or threatened to take negative or legal action 25
Took or threatened to take negative or legal action
25 complaints
- Disclosure verification of debt 22
Disclosure verification of debt
22 complaints
D
Grade D · 56.3/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Professional Finance Company, Inc.?
Professional Finance Company, Inc. has accumulated 625 total CFPB complaints across 41 states, with 65 filed in the most recent 12 months against 560 historical complaints before that window. The trailing-12-month volume represents 10.4% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
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 19% 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 41 states, led by Colorado with 204 and Texas with 106, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.3/100 places Professional Finance Company, Inc. 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
65
10.4% of total history
Rising ↑
States active
41
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Consumer disputes
19%
After company response
Reputation grade
D
56.3/100 composite
Response-quality profile
How Professional Finance Company, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 98.4%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 37.4%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 73.2%
Share of US states + territories with at least one filed complaint against this collector.
How does Professional Finance Company, Inc. compare to its peers?
Professional Finance C… 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)
2024-03 2026-02
Top Consumer Issues
Attempts to collect debt not owed206 (%)
Written notification about debt118 (%)
False statements or representation68 (%)
Cont'd attempts collect debt not owed63 (%)
Took or threatened to take negative or legal action25 (%)
Disclosure verification of debt22 (%)
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 | 124 |
| Written notification about debt | Didn't receive enough information to verify debt | 81 |
| False statements or representation | Attempted to collect wrong amount | 68 |
| Attempts to collect debt not owed | Debt was paid | 61 |
| Written notification about debt | Didn't receive notice of right to dispute | 37 |
| Cont'd attempts collect debt not owed | Debt is not mine | 36 |
| Cont'd attempts collect debt not owed | Debt was paid | 27 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 25 |
| Disclosure verification of debt | Not given enough info to verify debt | 22 |
| Attempts to collect debt not owed | Debt was result of identity theft | 21 |
Where do complaints against Professional Finance Company, Inc. come from?
The states where consumers have filed the most CFPB complaints against Professional Finance Company, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Professional Finance Company, Inc.
Across 41 states with at least one filing
- Colorado
Colorado
204 complaints
- Texas
Texas
106 complaints
- Florida 40
Florida
40 complaints
- North Carolina 39
North Carolina
39 complaints
- Nevada 32
Nevada
32 complaints
- Oklahoma 24
Oklahoma
24 complaints
- Georgia 14
Georgia
14 complaints
- South Carolina 13
South Carolina
13 complaints
Frequently Asked Questions
What is the most common complaint against Professional Finance Company, Inc.? ▼
The most common issue consumers report about Professional Finance Company, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 625 complaints filed with the CFPB.
Are complaints against Professional Finance Company, Inc. increasing or decreasing? ▼
Complaints against Professional Finance Company, Inc. are rising. The company received 65 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Professional Finance Company, Inc.'s reputation grade? ▼
Professional Finance Company, Inc. has a reputation grade of D (score: 56.3/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Professional Finance Company, Inc. respond to consumer complaints? ▼
Professional Finance Company, Inc. has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 19% of cases.
In how many states does Professional Finance Company, Inc. operate? ▼
Professional Finance Company, Inc. has received CFPB complaints from consumers in 41 states, with the most complaints from Colorado (204 complaints).
What can I do if Professional Finance Company, Inc. 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 Professional Finance Company, Inc. 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 |