Total CFPB complaints
42
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 42 complaints
Service Finance Holdings, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 19 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Service Finance Holdings, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
12 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
12 complaints
- Communication tactics
Communication tactics
7 complaints
- False statements or representation
False statements or representation
5 complaints
- Disclosure verification of debt 1
Disclosure verification of debt
1 complaints
- Written notification about debt 1
Written notification about debt
1 complaints
B
Grade B · 69.5/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about Service Finance Holdings, LLC?
Service Finance Holdings, LLC has accumulated 42 total CFPB complaints across 19 states, with 0 filed in the most recent 12 months against 42 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
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 100% timely-response rate against a 0% 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 19 states, led by Florida with 5 and Texas with 4, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 69.5/100 places Service Finance Holdings, 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
Stable →
States active
19
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
B
69.5/100 composite
Response-quality profile
How Service Finance Holdings, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 33.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Service Finance Holdings, LLC compare to its peers?
Service Finance Holdin… 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)
2016-05 2022-06
Top Consumer Issues
Attempts to collect debt not owed12 (%)
Took or threatened to take negative or legal action12 (%)
Communication tactics7 (%)
False statements or representation5 (%)
Disclosure verification of debt1 (%)
Written notification about debt1 (%)
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 | 7 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 7 |
| Communication tactics | Frequent or repeated calls | 5 |
| Attempts to collect debt not owed | Debt was paid | 5 |
| False statements or representation | Attempted to collect wrong amount | 5 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 3 |
| Communication tactics | Called before 8am or after 9pm | 2 |
| Took or threatened to take negative or legal action | Collected or attempted to collect exempt funds | 2 |
| Disclosure verification of debt | Not given enough info to verify debt | 1 |
| Written notification about debt | Didn't receive notice of right to dispute | 1 |
Where do complaints against Service Finance Holdings, LLC come from?
The states where consumers have filed the most CFPB complaints against Service Finance Holdings, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Service Finance Holdings, LLC
Across 19 states with at least one filing
- Florida
Florida
5 complaints
- Texas
Texas
4 complaints
- New York
New York
4 complaints
- North Carolina
North Carolina
4 complaints
- Minnesota
Minnesota
3 complaints
- Ohio
Ohio
3 complaints
- Colorado
Colorado
3 complaints
- New Jersey
New Jersey
2 complaints
Frequently Asked Questions
What is the most common complaint against Service Finance Holdings, LLC? ▼
The most common issue consumers report about Service Finance Holdings, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 42 complaints filed with the CFPB.
Are complaints against Service Finance Holdings, LLC increasing or decreasing? ▼
Complaints against Service Finance Holdings, LLC have been stable. The company received 0 complaints in the last 12 months.
What is Service Finance Holdings, LLC's reputation grade? ▼
Service Finance Holdings, LLC has a reputation grade of B (score: 69.5/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does Service Finance Holdings, LLC respond to consumer complaints? ▼
Service Finance Holdings, LLC has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does Service Finance Holdings, LLC operate? ▼
Service Finance Holdings, LLC has received CFPB complaints from consumers in 19 states, with the most complaints from Florida (5 complaints).
What can I do if Service Finance Holdings, 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 Service Finance Holdings, 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 |