Total CFPB complaints
445
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 445 complaints
SQUARETWO FINANCIAL CORPORATION — Debt Collector Complaint Profile
CFPB complaint profile across 46 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about SQUARETWO FINANCIAL CORPORATION
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
158 complaints
- Disclosure verification of debt
Disclosure verification of debt
114 complaints
- Taking/threatening an illegal action 32
Taking/threatening an illegal action
32 complaints
- Communication tactics 28
Communication tactics
28 complaints
- False statements or representation 27
False statements or representation
27 complaints
- Improper contact or sharing of info 17
Improper contact or sharing of info
17 complaints
D
Grade D · 56.1/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about SQUARETWO FINANCIAL CORPORATION?
SQUARETWO FINANCIAL CORPORATION has accumulated 445 total CFPB complaints across 46 states, with 0 filed in the most recent 12 months against 445 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 98% timely-response rate against a 22% 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 46 states, led by California with 63 and Florida with 44, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.1/100 places SQUARETWO FINANCIAL CORPORATION 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
0
0.0% of total history
Falling ↓
States active
46
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Consumer disputes
22%
After company response
Reputation grade
D
56.1/100 composite
Response-quality profile
How SQUARETWO FINANCIAL CORPORATION performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 98.2%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 43.3%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 82.1%
Share of US states + territories with at least one filed complaint against this collector.
How does SQUARETWO FINANCIAL CORPORATION compare to its peers?
SQUARETWO FINANCIAL CO… 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)
2016-01 2025-02
Top Consumer Issues
Cont'd attempts collect debt not owed158 (%)
Disclosure verification of debt114 (%)
False statements or representation27 (%)
Taking/threatening an illegal action32 (%)
Improper contact or sharing of info17 (%)
Communication tactics28 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt is not mine
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 |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt is not mine | 127 |
| Disclosure verification of debt | Not given enough info to verify debt | 94 |
| Cont'd attempts collect debt not owed | Debt was paid | 31 |
| False statements or representation | Attempted to collect wrong amount | 27 |
| Disclosure verification of debt | Right to dispute notice not received | 20 |
| Taking/threatening an illegal action | Sued w/o proper notification of suit | 18 |
| Improper contact or sharing of info | Talked to a third party about my debt | 17 |
| Communication tactics | Threatened to take legal action | 15 |
| Taking/threatening an illegal action | Threatened to sue on too old debt | 14 |
| Communication tactics | Frequent or repeated calls | 13 |
Where do complaints against SQUARETWO FINANCIAL CORPORATION come from?
The states where consumers have filed the most CFPB complaints against SQUARETWO FINANCIAL CORPORATION. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against SQUARETWO FINANCIAL CORPORATION
Across 46 states with at least one filing
- California
California
63 complaints
- Florida
Florida
44 complaints
- New York
New York
43 complaints
- Texas
Texas
35 complaints
- Georgia 24
Georgia
24 complaints
- New Jersey 20
New Jersey
20 complaints
- Pennsylvania 17
Pennsylvania
17 complaints
- Illinois 16
Illinois
16 complaints
Frequently Asked Questions
What is the most common complaint against SQUARETWO FINANCIAL CORPORATION? ▼
The most common issue consumers report about SQUARETWO FINANCIAL CORPORATION is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 445 complaints filed with the CFPB.
Are complaints against SQUARETWO FINANCIAL CORPORATION increasing or decreasing? ▼
Complaints against SQUARETWO FINANCIAL CORPORATION are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.
What is SQUARETWO FINANCIAL CORPORATION's reputation grade? ▼
SQUARETWO FINANCIAL CORPORATION has a reputation grade of D (score: 56.1/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does SQUARETWO FINANCIAL CORPORATION respond to consumer complaints? ▼
SQUARETWO FINANCIAL CORPORATION has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 22% of cases.
In how many states does SQUARETWO FINANCIAL CORPORATION operate? ▼
SQUARETWO FINANCIAL CORPORATION has received CFPB complaints from consumers in 46 states, with the most complaints from California (63 complaints).
What can I do if SQUARETWO FINANCIAL CORPORATION 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 SQUARETWO FINANCIAL CORPORATION 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 |