Total CFPB complaints
22
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 22 complaints
Sonnenschein Financial Services, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 4 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Sonnenschein Financial Services, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
7 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
5 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
3 complaints
- Disclosure verification of debt
Disclosure verification of debt
3 complaints
- Communication tactics 2
Communication tactics
2 complaints
- Written notification about debt 2
Written notification about debt
2 complaints
B
Grade B · 69.0/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about Sonnenschein Financial Services, Inc.?
Sonnenschein Financial Services, Inc. has accumulated 22 total CFPB complaints across 4 states, with 0 filed in the most recent 12 months against 22 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 "Took or threatened to take negative or legal action", narrowing to "Threatened or suggested your credit would be damaged", 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 17% 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 4 states, led by Illinois with 19 and Wisconsin with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 69.0/100 places Sonnenschein Financial Services, 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
4
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
17%
After company response
Reputation grade
B
69.0/100 composite
Response-quality profile
How Sonnenschein Financial Services, Inc. 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) 33.3%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 7.1%
Share of US states + territories with at least one filed complaint against this collector.
How does Sonnenschein Financial Services, Inc. compare to its peers?
Sonnenschein Financial… 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)
2016-02 2021-11
Top Consumer Issues
Took or threatened to take negative or legal action5 (%)
Cont'd attempts collect debt not owed3 (%)
Attempts to collect debt not owed7 (%)
Disclosure verification of debt3 (%)
Communication tactics2 (%)
Written notification about debt2 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
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 |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 5 |
| Cont'd attempts collect debt not owed | Debt is not mine | 3 |
| Attempts to collect debt not owed | Debt was paid | 3 |
| Disclosure verification of debt | Not given enough info to verify debt | 3 |
| Attempts to collect debt not owed | Debt is not yours | 2 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 2 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 1 |
| Written notification about debt | Didn't receive notice of right to dispute | 1 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1 |
Where do complaints against Sonnenschein Financial Services, Inc. come from?
The states where consumers have filed the most CFPB complaints against Sonnenschein Financial Services, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Sonnenschein Financial Services, Inc.
Across 4 states with at least one filing
- Illinois
Illinois
19 complaints
- Wisconsin 1
Wisconsin
1 complaints
- Florida 1
Florida
1 complaints
- Indiana 1
Indiana
1 complaints
Frequently Asked Questions
What is the most common complaint against Sonnenschein Financial Services, Inc.? ▼
The most common issue consumers report about Sonnenschein Financial Services, Inc. is "Took or threatened to take negative or legal action", 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. have been stable. The company received 0 complaints in the last 12 months.
What is Sonnenschein Financial Services, Inc.'s reputation grade? ▼
Sonnenschein Financial Services, Inc. has a reputation grade of B (score: 69.0/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
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).
What can I do if Sonnenschein Financial Services, 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 Sonnenschein Financial Services, 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 |