Total CFPB complaints
24
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 24 complaints
PROFICIO FINANCIAL SERVICES, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 6 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about PROFICIO FINANCIAL SERVICES, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
5 complaints
- Communication tactics
Communication tactics
4 complaints
- False statements or representation
False statements or representation
4 complaints
- Written notification about debt
Written notification about debt
2 complaints
- Threatened to contact someone or share information improperly
Threatened to contact someone or share information improperly
2 complaints
- Improper contact or sharing of info
Improper contact or sharing of info
2 complaints
B
Grade B · 66.5/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about PROFICIO FINANCIAL SERVICES, LLC?
PROFICIO FINANCIAL SERVICES, LLC has accumulated 24 total CFPB complaints across 6 states, with 0 filed in the most recent 12 months against 24 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 92% timely-response rate against a 13% 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 6 states, led by Washington with 16 and Illinois with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 66.5/100 places PROFICIO FINANCIAL SERVICES, LLC in grade band B, 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
6
Distinct state filings
Timely response rate
92%
Within CFPB SLA window
Consumer disputes
13%
After company response
Reputation grade
B
66.5/100 composite
Response-quality profile
How PROFICIO 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 91.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 25.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 10.7%
Share of US states + territories with at least one filed complaint against this collector.
How does PROFICIO FINANCIAL SERVICES, LLC compare to its peers?
PROFICIO FINANCIAL SER… 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)
2014-08 2025-01
Top Consumer Issues
Attempts to collect debt not owed5 (%)
Communication tactics4 (%)
False statements or representation4 (%)
Written notification about debt2 (%)
Threatened to contact someone or share information improperly2 (%)
Improper contact or sharing of info2 (%)
Taking/threatening an illegal action1 (%)
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 | 4 |
| Communication tactics | Used obscene/profane/abusive language | 3 |
| False statements or representation | Attempted to collect wrong amount | 3 |
| Written notification about debt | Didn't receive enough information to verify debt | 2 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 2 |
| Improper contact or sharing of info | Contacted employer after asked not to | 2 |
| False statements or representation | Indicated you were committing crime by not paying debt | 1 |
| Attempts to collect debt not owed | Debt was paid | 1 |
| Communication tactics | Frequent or repeated calls | 1 |
| Taking/threatening an illegal action | Seized/Attempted to seize property | 1 |
Where do complaints against PROFICIO FINANCIAL SERVICES, LLC come from?
The states where consumers have filed the most CFPB complaints against PROFICIO FINANCIAL SERVICES, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against PROFICIO FINANCIAL SERVICES, LLC
Across 6 states with at least one filing
- Washington
Washington
16 complaints
- Illinois 2
Illinois
2 complaints
- New York 2
New York
2 complaints
- Utah 2
Utah
2 complaints
- Nevada 1
Nevada
1 complaints
- New Mexico 1
New Mexico
1 complaints
Frequently Asked Questions
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: 66.5/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
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).
What can I do if PROFICIO 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 PROFICIO 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 |