Total CFPB complaints
5
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 5 complaints
Town Financial Corporation — Debt Collector Complaint Profile
CFPB complaint profile across 1 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Town Financial Corporation
- Communication tactics
Communication tactics
3 complaints
- Took or threatened to take negative or legal action 1
Took or threatened to take negative or legal action
1 complaints
- False statements or representation 1
False statements or representation
1 complaints
B
Grade B · 76.4/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about Town Financial Corporation?
Town Financial Corporation has accumulated 5 total CFPB complaints across 1 states, with 0 filed in the most recent 12 months against 5 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 "Communication tactics", narrowing to "Frequent or repeated calls", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 80% 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 1 states, led by Iowa with 5, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 76.4/100 places Town Financial Corporation 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
0
0.0% of total history
Falling ↓
States active
1
Distinct state filings
Timely response rate
80%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
B
76.4/100 composite
Response-quality profile
How Town Financial Corporation performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 80.0%
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 1.8%
Share of US states + territories with at least one filed complaint against this collector.
How does Town Financial Corporation compare to its peers?
Town Financial Corpora… 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)
2015-01 2024-11
Top Consumer Issues
Communication tactics3 (%)
Took or threatened to take negative or legal action1 (%)
False statements or representation1 (%)
Most common issue: Communication tactics — Frequent or repeated calls
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 |
|---|---|---|
| Communication tactics | Frequent or repeated calls | 1 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 1 |
| Communication tactics | Called before 8am or after 9pm | 1 |
Where do complaints against Town Financial Corporation come from?
The states where consumers have filed the most CFPB complaints against Town Financial Corporation. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Town Financial Corporation
Across 1 states with at least one filing
- Iowa
Iowa
5 complaints
Frequently Asked Questions
What is the most common complaint against Town Financial Corporation? ▼
The most common issue consumers report about Town Financial Corporation is "Communication tactics", specifically "Frequent or repeated calls". This is based on 5 complaints filed with the CFPB.
Are complaints against Town Financial Corporation increasing or decreasing? ▼
Complaints against Town Financial Corporation are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.
What is Town Financial Corporation's reputation grade? ▼
Town Financial Corporation has a reputation grade of B (score: 76.4/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does Town Financial Corporation respond to consumer complaints? ▼
Town Financial Corporation has a 80% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does Town Financial Corporation operate? ▼
Town Financial Corporation has received CFPB complaints from consumers in 1 states, with the most complaints from Iowa (5 complaints).
What can I do if Town 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 Town 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 |