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

The most common issue consumers report about Sparrow Financial, Inc. is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 50 complaints filed with the CFPB.

Are complaints against Sparrow Financial, Inc. increasing or decreasing?

Complaints against Sparrow Financial, Inc. are rising. The company received 49 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Sparrow Financial, Inc.'s reputation grade?

Sparrow Financial, Inc. has a reputation grade of D (score: 53.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Sparrow Financial, Inc. respond to consumer complaints?

Sparrow Financial, Inc. has a 100% timely response rate to CFPB complaints.

In how many states does Sparrow Financial, Inc. operate?

Sparrow Financial, Inc. has received CFPB complaints from consumers in 21 states, with the most complaints from Georgia (10 complaints).

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

Sparrow Financial, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 21 states, reputation grade D.

Compiled by PlainCollector

Took or threatened to take negative or legal action

21
Attempts to collect debt not owed

14
Written notification about debt

5
False statements or representation

5
Communication tactics

4
Threatened to contact someone or share information improperly

1

Data updated September 2026

CFPB complaint disposition

CCDB record sparrow-financial-inc Sparrow Financial, Inc.

Grade D · 50 CFPB filings · 100% timely · lead issue: Took or threatened to take negative or legal action · vol #1195 · compose #3650

VOL 50
GRADE D
12MO 49
STATES 21
TIMELY 100%
ISSUE Took or threatened to take…
RANK #1,195
COMPOSE #3,650

Volume peers

Nearest volume peer: Budget Control Services, Inc. (50 complaints)

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

Sparrow Financial, Inc.'s 50 CFPB complaints sit next to Budget Control Services, Inc. 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 →

Filing geometry

Georgia is the plurality state for Sparrow Financial, Inc. (20.0%)

Volume rank #1,195 and composite rank #3,650 diverge by 2,455 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Georgia 20.0%; Mid-band (15–30%) · 21 states with ≥1 filing
Seasonal peak: 2015-01 11.8%; 8–15% band · 2 filings
Divergent corpus ranks: #1,195 volume; #3,650 composite; Cleanest-composite ladder is 2,455 places worse than volume

How does Sparrow Financial, Inc. compare to its peers?

How does Sparrow Financial, 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

Sparrow Financial, Inc… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-11 2018-10

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	21
Attempts to collect debt not owed	14
Written notification about debt	5
False statements or representation	5
Communication tactics	4
Threatened to contact someone or share information improperly	1

Where do complaints against Sparrow Financial, Inc. come from?

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

Georgia

10
Texas

8
California

4
Arizona

3
New York

3
Pennsylvania

3
Connecticut

2
Michigan

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Sparrow Financial, 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: 50.

4 peers

Know your rights before responding to Sparrow Financial, 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.