What is the most common complaint against Special Financing Company, LLC?

The most common issue consumers report about Special Financing Company, LLC is "Communication tactics", specifically "Attempted to collect wrong amount". This is based on 16 complaints filed with the CFPB.

Are complaints against Special Financing Company, LLC increasing or decreasing?

Complaints against Special Financing Company, LLC are rising. The company received 5 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Special Financing Company, LLC's reputation grade?

Special Financing Company, LLC has a reputation grade of B (score: 72.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Special Financing Company, LLC respond to consumer complaints?

Special Financing Company, LLC has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Special Financing Company, LLC operate?

Special Financing Company, LLC has received CFPB complaints from consumers in 12 states, with the most complaints from Texas (3 complaints).

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

Special Financing Company, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 12 states, reputation grade B.

Compiled by PlainCollector

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

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 #2103 · compose #1063

VOL 16
GRADE B
12MO 5
STATES 12
TIMELY 100%
DISPUTE 0%
ISSUE Communication tactics
RANK #2,103
COMPOSE #1,063

Volume peers

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

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 →

Spiky monthly series

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

The 2014-11 spike coincides with a 1,040-place gap between volume rank #2,103 and composite #1,063. 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)
Divergent corpus ranks: #2,103 volume; #1,063 composite; Cleanest-composite ladder is 1,040 places better than volume

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 Comp… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

94%

91%

Consumer-dispute ratelower is better

13%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Texas

3
Georgia

2
Virginia

2
Alabama

1
California

1
Florida

1
Hawaii

1
Illinois

1

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.