Total CFPB complaints
32
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 32 complaints
SFS, Inc — Debt Collector Complaint Profile
CFPB complaint profile across 20 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about SFS, Inc
- Communication tactics
Communication tactics
17 complaints
- Improper contact or sharing of info 3
Improper contact or sharing of info
3 complaints
- Cont'd attempts collect debt not owed 3
Cont'd attempts collect debt not owed
3 complaints
- Attempts to collect debt not owed 1
Attempts to collect debt not owed
1 complaints
- False statements or representation 1
False statements or representation
1 complaints
- Disclosure verification of debt 1
Disclosure verification of debt
1 complaints
B
Grade B · 68.8/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about SFS, Inc?
SFS, Inc has accumulated 32 total CFPB complaints across 20 states, with 0 filed in the most recent 12 months against 32 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 "Communication tactics", narrowing to "Frequent or repeated calls", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 97% timely-response rate against a 4% 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 20 states, led by Texas with 4 and North Carolina 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 68.8/100 places SFS, Inc 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
20
Distinct state filings
Timely response rate
97%
Within CFPB SLA window
Consumer disputes
4%
After company response
Reputation grade
B
68.8/100 composite
Response-quality profile
How SFS, Inc performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 96.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 8.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 35.7%
Share of US states + territories with at least one filed complaint against this collector.
How does SFS, Inc compare to its peers?
SFS, Inc 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)
2013-12 2019-10
Top Consumer Issues
Communication tactics17 (%)
Improper contact or sharing of info3 (%)
Cont'd attempts collect debt not owed3 (%)
Attempts to collect debt not owed1 (%)
False statements or representation1 (%)
Disclosure verification of debt1 (%)
Most common issue: Communication tactics — Frequent or repeated calls
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 |
|---|---|---|
| Communication tactics | Frequent or repeated calls | 11 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 3 |
| Improper contact or sharing of info | Contacted me after I asked not to | 3 |
| Cont'd attempts collect debt not owed | Debt was paid | 2 |
| Communication tactics | Called after sent written cease of comm | 2 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
| Communication tactics | Threatened to take legal action | 1 |
| False statements or representation | Indicated committed crime not paying | 1 |
| Disclosure verification of debt | Not given enough info to verify debt | 1 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
Where do complaints against SFS, Inc come from?
The states where consumers have filed the most CFPB complaints against SFS, Inc. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against SFS, Inc
Across 20 states with at least one filing
- Texas
Texas
4 complaints
- North Carolina
North Carolina
3 complaints
- California
California
3 complaints
- New Jersey
New Jersey
3 complaints
- Pennsylvania
Pennsylvania
2 complaints
- Minnesota
Minnesota
2 complaints
- Tennessee
Tennessee
2 complaints
- New York 1
New York
1 complaints
Frequently Asked Questions
What is the most common complaint against SFS, Inc? ▼
The most common issue consumers report about SFS, Inc is "Communication tactics", specifically "Frequent or repeated calls". This is based on 32 complaints filed with the CFPB.
Are complaints against SFS, Inc increasing or decreasing? ▼
Complaints against SFS, Inc have been stable. The company received 0 complaints in the last 12 months.
What is SFS, Inc's reputation grade? ▼
SFS, Inc has a reputation grade of B (score: 68.8/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does SFS, Inc respond to consumer complaints? ▼
SFS, Inc has a 97% timely response rate to CFPB complaints. Consumers disputed the company's response in 4% of cases.
In how many states does SFS, Inc operate? ▼
SFS, Inc has received CFPB complaints from consumers in 20 states, with the most complaints from Texas (4 complaints).
What can I do if SFS, Inc 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 SFS, Inc 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 |