What is the most common complaint against SMS Financial, LLC?

The most common issue consumers report about SMS Financial, LLC is "Took or threatened to take negative or legal action", specifically "Attempted to collect wrong amount". This is based on 10 complaints filed with the CFPB.

Are complaints against SMS Financial, LLC increasing or decreasing?

Complaints against SMS Financial, LLC are rising. The company received 4 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is SMS Financial, LLC's reputation grade?

SMS Financial, LLC has a reputation grade of B (score: 62.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does SMS Financial, LLC respond to consumer complaints?

SMS Financial, LLC has a 100% timely response rate to CFPB complaints.

In how many states does SMS Financial, LLC operate?

SMS Financial, LLC has received CFPB complaints from consumers in 6 states, with the most complaints from Florida (3 complaints).

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

SMS Financial, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 6 states, reputation grade B.

Compiled by PlainCollector

Took or threatened to take negative or legal action

5
False statements or representation

4
Threatened to contact someone or share information improperly

1

Data updated September 2026

CFPB complaint disposition

CCDB record sms-financial-llc SMS Financial, LLC

Grade B · 10 CFPB filings · 100% timely · lead issue: Took or threatened to take negative or legal action · vol #2539 · compose #2027

VOL 10
GRADE B
12MO 4
STATES 6
TIMELY 100%
ISSUE Took or threatened to take…
RANK #2,539
COMPOSE #2,027

Volume peers

Nearest volume peer: 208 Capital Holdings LLC (10 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

SMS Financial, LLC's 10 CFPB complaints sit next to 208 Capital Holdings LLC on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

30.0% of SMS Financial, LLC's CFPB filings land in Florida

High volume does not equal a clean composite: SMS Financial, LLC is volume #2,539 but composite #2,027, while Florida dominates the geography. Corpus placement method.

Dominant state: Florida 30.0%; 3 of 10 filings · 6 states touched
Spike month: 2025-09 33.3%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #2,539 volume; #2,027 composite; Cleanest-composite ladder is 512 places better than volume

How does SMS Financial, LLC compare to its peers?

How does SMS Financial, LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

SMS Financial, LLC National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

33%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2025-09 2025-12

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	5
False statements or representation	4
Threatened to contact someone or share information improperly	1

Where do complaints against SMS Financial, LLC come from?

SMS Financial, LLC's own per-state count, not a national baseline.

Florida

3
North Carolina

2
Washington

2
New Jersey

1
Oklahoma

1
Wisconsin

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for SMS Financial, LLC: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 10.

4 peers

Know your rights before responding to SMS Financial, LLC: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

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.