What is the most common complaint against Proficio Financial Services, LLC?

The most common issue consumers report about Proficio Financial Services, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 24 complaints filed with the CFPB.

Are complaints against Proficio Financial Services, LLC increasing or decreasing?

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

What is Proficio Financial Services, LLC's reputation grade?

Proficio Financial Services, LLC has a reputation grade of B (score: 62.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Proficio Financial Services, LLC respond to consumer complaints?

Proficio Financial Services, LLC has a 92% timely response rate to CFPB complaints. Consumers disputed the company's response in 13% of cases.

In how many states does Proficio Financial Services, LLC operate?

Proficio Financial Services, LLC has received CFPB complaints from consumers in 6 states, with the most complaints from Washington (16 complaints).

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

Proficio Financial Services, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 6 states, reputation grade B.

Compiled by PlainCollector

Attempts to collect debt not owed

5
False statements or representation

4
Communication tactics

4
Written notification about debt

3
Took or threatened to take negative or legal action

2
Threatened to contact someone or share information improperly

2

Data updated September 2026

CFPB complaint disposition

CCDB record proficio-financial-services-llc Proficio Financial Services, LLC

Grade B · 24 CFPB filings · 92% timely · lead issue: Attempts to collect debt not owed · vol #1749 · compose #2007

VOL 24
GRADE B
12MO 0
STATES 6
TIMELY 92%
DISPUTE 13%
ISSUE Attempts to collect debt n…
RANK #1,749
COMPOSE #2,007

Volume peers

Nearest volume peer: Acceptance Rentals, Inc. (24 complaints)

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

Proficio Financial Services, LLC's 24 CFPB complaints sit next to Acceptance Rentals, 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 →

State-heavy filing map

66.7% of Proficio Financial Services, LLC's CFPB filings land in Washington

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state: Washington 66.7%; 16 of 24 filings · 6 states touched
Spike month: 2025-12 16.3%; 13 filings that month · spiky (≥15% of series)
Corpus ranks: #1,749 volume; #2,007 composite; Among 5,420 volume-ranked / 5,278 scored collectors

How does Proficio Financial Services, LLC compare to its peers?

How does PROFICIO 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

PROFICIO FINANCIAL SER… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

92%

83%

91%

Consumer-dispute ratelower is better

13%

26%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-10 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	5
False statements or representation	4
Communication tactics	4
Written notification about debt	3
Took or threatened to take negative or legal action	2
Threatened to contact someone or share information improperly	2
Improper contact or sharing of info	2
Cont'd attempts collect debt not owed	1
Taking/threatening an illegal action	1

Where do complaints against Proficio Financial Services, LLC come from?

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

Washington

16
Illinois

2
New York

2
Utah

2
Nevada

1
New Mexico

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Proficio 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: 24.

4 peers

Know your rights before responding to Proficio 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.