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

CFPB complaint data Grade F 2,568 complaints

Self Financial Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 45 states, reputation grade F.

Complaints by issue type

What consumers report about Self Financial Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 47.7/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

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

The verdict

A reputation grade of F: Self Financial Inc. ranks ahead of 11% of the 5,283 collectors PlainCollector grades - 89% keep a cleaner CFPB record, on 2,568 all-time complaints and a 99% timely-response rate.

11th pct
reputation rank of 5,283 graded collectors
2,568
CFPB complaints, all-time
99%
answered inside the CFPB window
1,595
in the last 12 months (rising)

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 Self Financial Inc.?

Self Financial Inc. has accumulated 2,568 total CFPB complaints across 45 states, with 1,595 filed in the most recent 12 months against 973 historical complaints before that window. The trailing-12-month volume represents 62.1% 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 "Threatened or suggested your credit would be damaged". The company posts a 99% timely-response rate.

Complaints have been recorded across 45 states, led by Texas with 343 and Florida with 289. Normalized against the full CFPB collector database, the reputation score of 47.7/100 places Self Financial Inc. in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

2,568

high-volume (CCDB)

Last 12 months

1,595

62.1% of all-time complaints

Rising ↑

States active

45

multi-region footprint

Timely response rate

99%

excellent band

Reputation grade

F

47.7/100 composite

How does Self Financial Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

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

48 Bottom 11% higher than 11% 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%). This entry sits in this band. 50–60: 1,469 graded collectors (28%). Above this entry. 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

Self Financial Inc. versus the debt-collection vertical average.

Timely response within SLA 99.0%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

State coverage breadth 80.4%

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

How does Self Financial Inc. compare to its peers?

How does Self Financial Inc. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Self Financial Inc. National average
Complaints (last 12 mo)lower is better
1,595
1,098
268
Timely-response ratehigher is better
99%
99%
91%
Consumer-dispute ratelower is better
0%
13%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 1,137
Took or threatened to take negative or legal action - 820
False statements or representation - 311
Written notification about debt - 251
Communication tactics - 22
Electronic communications - 15
Threatened to contact someone or share information improperly - 12

Where do complaints against Self Financial Inc. come from?

Self Financial Inc.'s own per-state count, not a national baseline.

Top states by complaints against Self Financial Inc.

Across 45 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Self Financial Inc. contacts you

A grade of F signals how Self Financial 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 Self Financial 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 Self Financial 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 Self Financial Inc.? ▼

The most common issue consumers report about Self Financial Inc. is "Attempts to collect debt not owed", specifically "Threatened or suggested your credit would be damaged". This is based on 2,568 complaints filed with the CFPB.

Are complaints against Self Financial Inc. increasing or decreasing? ▼

Complaints against Self Financial Inc. are rising. The company received 1,595 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Self Financial Inc.'s reputation grade? ▼

Self Financial Inc. has a reputation grade of F (score: 47.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Self Financial Inc. respond to consumer complaints? ▼

Self Financial Inc. has a 99% timely response rate to CFPB complaints.

In how many states does Self Financial Inc. operate? ▼

Self Financial Inc. has received CFPB complaints from consumers in 45 states, with the most complaints from Texas (343 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.