Total CFPB complaints
29
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 29 complaints
Sparrow Financial, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 16 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Sparrow Financial, Inc.
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
10 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
10 complaints
- Written notification about debt 3
Written notification about debt
3 complaints
- Communication tactics 3
Communication tactics
3 complaints
- False statements or representation 2
False statements or representation
2 complaints
- Threatened to contact someone or share information improperly 1
Threatened to contact someone or share information improperly
1 complaints
D
Grade D · 58.9/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Sparrow Financial, Inc.?
Sparrow Financial, Inc. has accumulated 29 total CFPB complaints across 16 states, with 29 filed in the most recent 12 months against 0 historical complaints before that window. The trailing-12-month volume represents 100.0% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
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, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 16 states, led by Georgia with 7 and New York 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 58.9/100 places Sparrow Financial, Inc. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
29
100.0% of total history
Rising ↑
States active
16
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
D
58.9/100 composite
Response-quality profile
How Sparrow Financial, 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.
State coverage breadth 28.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Sparrow Financial, Inc. compare to its peers?
Sparrow Financial, 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)
2025-07 2026-03
Top Consumer Issues
Took or threatened to take negative or legal action10 (%)
Attempts to collect debt not owed10 (%)
Written notification about debt3 (%)
Communication tactics3 (%)
False statements or representation2 (%)
Threatened to contact someone or share information improperly1 (%)
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 | 10 |
| Attempts to collect debt not owed | Debt was result of identity theft | 8 |
| Written notification about debt | Didn't receive enough information to verify debt | 3 |
| Attempts to collect debt not owed | Debt is not yours | 2 |
| Communication tactics | Frequent or repeated calls | 2 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 1 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 1 |
| Threatened to contact someone or share information improperly | Contacted you after you asked them to stop | 1 |
Where do complaints against Sparrow Financial, Inc. come from?
The states where consumers have filed the most CFPB complaints against Sparrow Financial, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Sparrow Financial, Inc.
Across 16 states with at least one filing
- Georgia
Georgia
7 complaints
- New York
New York
3 complaints
- Texas
Texas
3 complaints
- Michigan 2
Michigan
2 complaints
- Pennsylvania 2
Pennsylvania
2 complaints
- California 2
California
2 complaints
- Tennessee 1
Tennessee
1 complaints
- North Carolina 1
North Carolina
1 complaints
Frequently Asked Questions
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 29 complaints filed with the CFPB.
Are complaints against Sparrow Financial, Inc. increasing or decreasing? ▼
Complaints against Sparrow Financial, Inc. are rising. The company received 29 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: 58.9/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 16 states, with the most complaints from Georgia (7 complaints).
What can I do if Sparrow Financial, 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 Sparrow Financial, 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 |