Total CFPB complaints
21
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 21 complaints
SF VAGO, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 13 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about SF VAGO, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
10 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
6 complaints
- Written notification about debt
Written notification about debt
4 complaints
- False statements or representation 1
False statements or representation
1 complaints
C
Grade C · 61.2/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about SF VAGO, LLC?
SF VAGO, LLC has accumulated 21 total CFPB complaints across 13 states, with 7 filed in the most recent 12 months against 14 historical complaints before that window. The trailing-12-month volume represents 33.3% 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 "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, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 13 states, led by Florida with 3 and New York with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 61.2/100 places SF VAGO, LLC in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
7
33.3% of total history
Rising ↑
States active
13
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
C
61.2/100 composite
Response-quality profile
How SF VAGO, 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.
State coverage breadth 23.2%
Share of US states + territories with at least one filed complaint against this collector.
How does SF VAGO, LLC compare to its peers?
SF VAGO, LLC 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)
2021-09 2026-03
Top Consumer Issues
Attempts to collect debt not owed10 (%)
Took or threatened to take negative or legal action6 (%)
Written notification about debt4 (%)
False statements or representation1 (%)
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 | 5 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 5 |
| Attempts to collect debt not owed | Debt was result of identity theft | 4 |
| Written notification about debt | Didn't receive enough information to verify debt | 3 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Attempts to collect debt not owed | Debt was paid | 1 |
| Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | 1 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 1 |
Where do complaints against SF VAGO, LLC come from?
The states where consumers have filed the most CFPB complaints against SF VAGO, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against SF VAGO, LLC
Across 13 states with at least one filing
- Florida
Florida
3 complaints
- New York
New York
3 complaints
- Texas
Texas
3 complaints
- Georgia
Georgia
2 complaints
- Louisiana
Louisiana
2 complaints
- Tennessee 1
Tennessee
1 complaints
- Nevada 1
Nevada
1 complaints
- District of Columbia 1
District of Columbia
1 complaints
Frequently Asked Questions
What is the most common complaint against SF VAGO, LLC? ▼
The most common issue consumers report about SF VAGO, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 21 complaints filed with the CFPB.
Are complaints against SF VAGO, LLC increasing or decreasing? ▼
Complaints against SF VAGO, LLC are rising. The company received 7 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is SF VAGO, LLC's reputation grade? ▼
SF VAGO, LLC has a reputation grade of C (score: 61.2/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does SF VAGO, LLC respond to consumer complaints? ▼
SF VAGO, LLC has a 100% timely response rate to CFPB complaints.
In how many states does SF VAGO, LLC operate? ▼
SF VAGO, LLC has received CFPB complaints from consumers in 13 states, with the most complaints from Florida (3 complaints).
What can I do if SF VAGO, 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 SF VAGO, 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 |