What is the most common complaint against Tan Oak Financial?

The most common issue consumers report about Tan Oak Financial is "Took or threatened to take negative or legal action", specifically "Threatened to arrest you or take you to jail if you do not pay". This is based on 5 complaints filed with the CFPB.

Are complaints against Tan Oak Financial increasing or decreasing?

Complaints against Tan Oak Financial have been stable. The company received 1 complaints in the last 12 months.

What is Tan Oak Financial's reputation grade?

Tan Oak Financial has a reputation grade of C (score: 60.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Tan Oak Financial respond to consumer complaints?

Tan Oak Financial has a 80% timely response rate to CFPB complaints.

In how many states does Tan Oak Financial operate?

Tan Oak Financial has received CFPB complaints from consumers in 4 states, with the most complaints from Indiana (2 complaints).

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

Tan Oak Financial - Debt Collector Complaint Profile

CFPB complaint profile across 4 states, reputation grade C.

Compiled by PlainCollector

Took or threatened to take negative or legal action

5

Data updated September 2026

CFPB complaint disposition

CCDB record tan-oak-financial Tan Oak Financial

Grade C · 5 CFPB filings · 80% timely · lead issue: Took or threatened to take negative or legal action · vol #3242 · compose #2354

VOL 5
GRADE C
12MO 1
STATES 4
TIMELY 80%
ISSUE Took or threatened to take…
RANK #3,242
COMPOSE #2,354

Volume peers

Nearest volume peer: Aaron Worldwide Collections Inc. (5 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Tan Oak Financial's 5 CFPB complaints sit next to Aaron Worldwide Collections Inc. 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 →

State-heavy filing map

40.0% of Tan Oak Financial's CFPB filings land in Indiana

High volume does not equal a clean composite: Tan Oak Financial is volume #3,242 but composite #2,354, while Indiana dominates the geography. Corpus placement method.

Dominant state: Indiana 40.0%; 2 of 5 filings · 4 states touched
Spike month: 2026-01 100.0%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #3,242 volume; #2,354 composite; Cleanest-composite ladder is 888 places better than volume

How does Tan Oak Financial compare to its peers?

How does Tan Oak Financial compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Tan Oak Financial National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

80%

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2026-01 2026-01

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	5

Where do complaints against Tan Oak Financial come from?

Tan Oak Financial's own per-state count, not a national baseline.

Indiana

2
Iowa

1
Kansas

1
Oklahoma

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Tan Oak Financial: 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: 5.

4 peers

Know your rights before responding to Tan Oak Financial: 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.