Total CFPB complaints
17
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 17 complaints
Special Financing Company, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 13 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Special Financing Company, LLC
- False statements or representation
False statements or representation
3 complaints
- Communication tactics
Communication tactics
3 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
2 complaints
- Attempts to collect debt not owed 1
Attempts to collect debt not owed
1 complaints
- Disclosure verification of debt 1
Disclosure verification of debt
1 complaints
- Electronic communications 1
Electronic communications
1 complaints
B
Grade B · 74.9/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about Special Financing Company, LLC?
Special Financing Company, LLC has accumulated 17 total CFPB complaints across 13 states, with 6 filed in the most recent 12 months against 11 historical complaints before that window. The trailing-12-month volume represents 35.3% 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 "False statements or representation", narrowing to "Attempted to collect wrong amount", 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 0% 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 13 states, led by Texas with 3 and Georgia with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 74.9/100 places Special Financing Company, LLC 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
6
35.3% of total history
Rising ↑
States active
13
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
B
74.9/100 composite
Response-quality profile
How Special Financing Company, LLC 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) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 23.2%
Share of US states + territories with at least one filed complaint against this collector.
How does Special Financing Company, LLC compare to its peers?
Special Financing Comp… 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)
2016-03 2025-12
Top Consumer Issues
False statements or representation3 (%)
Communication tactics3 (%)
Cont'd attempts collect debt not owed2 (%)
Attempts to collect debt not owed1 (%)
Disclosure verification of debt1 (%)
Electronic communications1 (%)
Written notification about debt1 (%)
Didn't provide services promised1 (%)
Most common issue: False statements or representation — Attempted to collect wrong amount
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 |
|---|---|---|
| False statements or representation | Attempted to collect wrong amount | 3 |
| Communication tactics | Frequent or repeated calls | 2 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
| Communication tactics | Used obscene, profane, or other abusive language | 1 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1 |
| Disclosure verification of debt | Not given enough info to verify debt | 1 |
| Electronic communications | You told them to stop contacting you, but they keep trying | 1 |
| Cont'd attempts collect debt not owed | Debt was paid | 1 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
| Didn't provide services promised | — | 1 |
Where do complaints against Special Financing Company, LLC come from?
The states where consumers have filed the most CFPB complaints against Special Financing Company, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Special Financing Company, LLC
Across 13 states with at least one filing
- Texas
Texas
3 complaints
- Georgia
Georgia
2 complaints
- California
California
2 complaints
- New Jersey 1
New Jersey
1 complaints
- Illinois 1
Illinois
1 complaints
- Virginia 1
Virginia
1 complaints
- New York 1
New York
1 complaints
- Alabama 1
Alabama
1 complaints
Frequently Asked Questions
What is the most common complaint against Special Financing Company, LLC? ▼
The most common issue consumers report about Special Financing Company, LLC is "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 17 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 6 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: 74.9/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
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 13 states, with the most complaints from Texas (3 complaints).
What can I do if Special Financing Company, LLC 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 Special Financing Company, LLC 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 |