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

CFPB complaint data Grade D 646 complaints

Professional Finance Company, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 42 states, reputation grade D.

Complaints by issue type

What consumers report about Professional Finance Company, Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 56.3/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Professional Finance Company, Inc. ranks ahead of 29% of the 5,283 collectors PlainCollector grades - 71% keep a cleaner CFPB record, on 646 all-time complaints and a 98% timely-response rate.

29th pct
reputation rank of 5,283 graded collectors
646
CFPB complaints, all-time
98%
answered inside the CFPB window
67
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Professional Finance Company, Inc.?

Professional Finance Company, Inc. has accumulated 646 total CFPB complaints across 42 states, with 67 filed in the most recent 12 months against 579 historical complaints before that window. The trailing-12-month volume represents 10.4% 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". The company posts a 98% timely-response rate against a 19% consumer-dispute-after-response rate.

Complaints have been recorded across 42 states, led by Colorado with 206 and Texas with 110. Normalized against the full CFPB collector database, the reputation score of 56.3/100 places Professional Finance Company, Inc. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

646

mid-volume (CCDB)

Last 12 months

67

10.4% of all-time complaints

Falling ↓

States active

42

multi-region footprint

Timely response rate

98%

excellent band

Consumer disputes

19%

average (vertical avg ~19%)

Reputation grade

D

56.3/100 composite

How does Professional Finance Company, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

56 29th percentile higher than 29% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Professional Finance Company, Inc. versus the debt-collection vertical average.

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) 18.7%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 75.0%

Share of US states + territories with at least one filed complaint against this collector.

How does Professional Finance Company, Inc. compare to its peers?

How does Professional Finance Company, Inc. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Professional Finance C… National average
Complaints (last 12 mo)lower is better
67
191
268
Timely-response ratehigher is better
98%
98%
91%
Consumer-dispute ratelower is better
19%
12%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-07 2025-12

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 223
Written notification about debt - 126
False statements or representation - 85
Cont'd attempts collect debt not owed - 69
Took or threatened to take negative or legal action - 53
Disclosure verification of debt - 39
Communication tactics - 26
Electronic communications - 10
Threatened to contact someone or share information improperly - 7
Improper contact or sharing of info - 5

Where do complaints against Professional Finance Company, Inc. come from?

Professional Finance Company, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Professional Finance Company, Inc.

Across 42 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Professional Finance Company, Inc. contacts you

A grade of D signals how Professional Finance Company, Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Professional Finance Company, Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Professional Finance Company, Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 646 complaints filed with the CFPB.

Are complaints against Professional Finance Company, Inc. increasing or decreasing? ▼

Complaints against Professional Finance Company, Inc. are falling. The company received 67 complaints in the last 12 months, showing improvement over prior periods.

What is Professional Finance Company, Inc.'s reputation grade? ▼

Professional Finance Company, Inc. has a reputation grade of D (score: 56.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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 42 states, with the most complaints from Colorado (206 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.