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

CFPB complaint data Grade B 16 complaints

Special Financing Company, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 12 states, reputation grade B.

Complaints by issue type

What consumers report about Special Financing Company, LLC

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record special-financing-company-llc Special Financing Company, LLC

Grade B · 16 CFPB filings · 100% timely · lead issue: Communication tactics

  • VOL 16
  • GRADE B
  • 12MO 5
  • STATES 12
  • TIMELY 100%
  • DISPUTE 0%
  • ISSUE Communication tactics
  • RANK #2,103
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Absolute Collections Corp. (16 complaints)

Absolute Collections Corp.Absolute Collections Corp.16Accounts Research, Inc.Accounts Research, Inc.16Alpat Company IncAlpat Company Inc16Ameritan Group ServicesAmeritan Group Services16Special Financing Company, LLC (this)Special Financing Company, L…16
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Special Financing Company, LLC's 16 CFPB complaints sit next to Absolute Collections Corp. 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 →

How the 16 complaints break down

Every complaint issue type on record for Special Financing Company, LLC, not just the top ones shown above.

Reputation score breakdown

B
Composite reputation score
72.5/100
Special Financing Company, LLC

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume C
16
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
0%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Spiky monthly series

Texas is the plurality state for Special Financing Company, LLC (18.8%)

Peak share is this collector's company_monthly maximum divided by its own stored monthly total. Corpus placement method.

Plurality state
Texas 18.8%
Mid-band (15–30%) · 12 states with ≥1 filing
Spike month
2014-11 50.0%
1 filings that month · spiky (≥15% of series)
Corpus ranks
#2,103 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Special Financing Company, LLC compare to its peers?

How does Special Financing Company, 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
Special Financing Company, LLC National average
Complaints (last 12 mo)lower is better
5
0
268
Timely-response ratehigher is better
100%
94%
91%
Consumer-dispute ratelower is better
0%
13%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Special Financing Company, LLC a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 7 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 60%70%80%90%100%110% 0%20%40%60%80%100% Timely response rate (%) Dispute rate (%) Special Financing Company, LLC vs. 6 similar-volume peers, by response speed and dispute rate Special Financing Company, LLCSouthern Service Systems, Inc.Strauss Factor Laing & LyonsSecure Capital Management, Inc.The Allen Daniel Associates, Inc.Quad Corporation, Inc.The Law Office of John P. Frye P.C.
Source: CFPB Consumer Complaint Database

Special Financing Company, LLC's complaint volume in context

Special Financing Company, LLC vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

16 61st percentile higher than 61% of 5,420 collectors

0–20: 3,504 collectors (65%). This entry sits in this band. 20–40: 565 collectors (10%). Above this entry. 40–60: 260 collectors (5%). Above this entry. 60–80: 163 collectors (3%). Above this entry. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Special Financing Company, LLC 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
2014-11 2024-02

Issue Detail Breakdown

Issue Complaints
Communication tactics
4
Attempts to collect debt not owed
3
False statements or representation
3
Cont'd attempts collect debt not owed
2
Written notification about debt
1
Took or threatened to take negative or legal action
1
Disclosure verification of debt
1
Electronic communications
1

Where do complaints against Special Financing Company, LLC come from?

Special Financing Company, LLC's own per-state count, not a national baseline.

Top states by complaints against Special Financing Company, LLC

Across 12 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Special Financing Company, 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: 16.

4 peers

Know your rights before responding to Special Financing Company, 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.