What is the most common complaint against Sonnenschein Financial Services, Inc.?

The most common issue consumers report about Sonnenschein Financial Services, Inc. is "Attempts to collect debt not owed", specifically "Threatened or suggested your credit would be damaged". This is based on 22 complaints filed with the CFPB.

Are complaints against Sonnenschein Financial Services, Inc. increasing or decreasing?

Complaints against Sonnenschein Financial Services, Inc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Sonnenschein Financial Services, Inc.'s reputation grade?

Sonnenschein Financial Services, Inc. has a reputation grade of B (score: 65.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Sonnenschein Financial Services, Inc. respond to consumer complaints?

Sonnenschein Financial Services, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 17% of cases.

In how many states does Sonnenschein Financial Services, Inc. operate?

Sonnenschein Financial Services, Inc. has received CFPB complaints from consumers in 4 states, with the most complaints from Illinois (19 complaints).

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

Sonnenschein Financial Services, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 4 states, reputation grade B.

Compiled by PlainCollector

Attempts to collect debt not owed

7
Took or threatened to take negative or legal action

5
Cont'd attempts collect debt not owed

3
Disclosure verification of debt

3
Written notification about debt

2
Communication tactics

2

Data updated September 2026

CFPB complaint disposition

CCDB record sonnenschein-financial-services-inc Sonnenschein Financial Services, Inc.

Grade B · 22 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #1820 · compose #1783

VOL 22
GRADE B
12MO 0
STATES 4
TIMELY 100%
DISPUTE 17%
ISSUE Attempts to collect debt n…
RANK #1,820
COMPOSE #1,783

Volume peers

Nearest volume peer: Abrahamsen Ratchford, P.C (22 complaints)

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

Sonnenschein Financial Services, Inc.'s 22 CFPB complaints sit next to Abrahamsen Ratchford, P.C 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

86.4% of Sonnenschein Financial Services, Inc.'s CFPB filings land in Illinois

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state: Illinois 86.4%; 19 of 22 filings · 4 states touched
Spike month: 2023-06 50.0%; 1 filings that month · spiky (≥15% of series)
Corpus ranks: #1,820 volume; #1,783 composite; Among 5,420 volume-ranked / 5,278 scored collectors

How does Sonnenschein Financial Services, Inc. compare to its peers?

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

Sonnenschein Financial… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

68%

91%

Consumer-dispute ratelower is better

17%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-06 2023-07

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	7
Took or threatened to take negative or legal action	5
Cont'd attempts collect debt not owed	3
Disclosure verification of debt	3
Written notification about debt	2
Communication tactics	2

Where do complaints against Sonnenschein Financial Services, Inc. come from?

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

Illinois

19
Florida

1
Indiana

1
Wisconsin

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Sonnenschein Financial Services, Inc.: 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: 22.

4 peers

Know your rights before responding to Sonnenschein Financial Services, Inc.: 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.