Total CFPB complaints
45
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 45 complaints
Trust Financial LLC — Debt Collector Complaint Profile
CFPB complaint profile across 11 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Trust Financial LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
12 complaints
- Written notification about debt
Written notification about debt
7 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
5 complaints
- False statements or representation 4
False statements or representation
4 complaints
- Threatened to contact someone or share information improperly 2
Threatened to contact someone or share information improperly
2 complaints
- Taking/threatening an illegal action 2
Taking/threatening an illegal action
2 complaints
D
Grade D · 58.7/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Trust Financial LLC?
Trust Financial LLC has accumulated 45 total CFPB complaints across 11 states, with 15 filed in the most recent 12 months against 30 historical complaints before that window. The trailing-12-month volume represents 33.3% 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 "Attempts to collect debt not owed", narrowing to "Debt is not yours", 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 14% 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 11 states, led by Wyoming with 18 and Idaho with 15, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 58.7/100 places Trust Financial LLC 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
15
33.3% of total history
Rising ↑
States active
11
Distinct state filings
Timely response rate
80%
Within CFPB SLA window
Consumer disputes
14%
After company response
Reputation grade
D
58.7/100 composite
Response-quality profile
How Trust Financial LLC 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) 28.6%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 19.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Trust Financial LLC compare to its peers?
Trust Financial LLC 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)
2020-11 2026-02
Top Consumer Issues
Attempts to collect debt not owed12 (%)
False statements or representation4 (%)
Written notification about debt7 (%)
Took or threatened to take negative or legal action5 (%)
Threatened to contact someone or share information improperly2 (%)
Taking/threatening an illegal action2 (%)
Communication tactics2 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 6 |
| Attempts to collect debt not owed | Debt was paid | 6 |
| False statements or representation | Attempted to collect wrong amount | 4 |
| Written notification about debt | Didn't receive enough information to verify debt | 4 |
| Written notification about debt | Didn't receive notice of right to dispute | 3 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 3 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 2 |
| Threatened to contact someone or share information improperly | Contacted you after you asked them to stop | 2 |
| Taking/threatening an illegal action | Seized/Attempted to seize property | 2 |
| Communication tactics | Used obscene, profane, or other abusive language | 2 |
Where do complaints against Trust Financial LLC come from?
The states where consumers have filed the most CFPB complaints against Trust Financial LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Trust Financial LLC
Across 11 states with at least one filing
- Wyoming
Wyoming
18 complaints
- Idaho
Idaho
15 complaints
- Montana 3
Montana
3 complaints
- Washington 1
Washington
1 complaints
- Nevada 1
Nevada
1 complaints
- California 1
California
1 complaints
- Colorado 1
Colorado
1 complaints
- Utah 1
Utah
1 complaints
Frequently Asked Questions
What is the most common complaint against Trust Financial LLC? ▼
The most common issue consumers report about Trust Financial LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 45 complaints filed with the CFPB.
Are complaints against Trust Financial LLC increasing or decreasing? ▼
Complaints against Trust Financial LLC are rising. The company received 15 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Trust Financial LLC's reputation grade? ▼
Trust Financial LLC has a reputation grade of D (score: 58.7/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Trust Financial LLC respond to consumer complaints? ▼
Trust Financial LLC has a 80% timely response rate to CFPB complaints. Consumers disputed the company's response in 14% of cases.
In how many states does Trust Financial LLC operate? ▼
Trust Financial LLC has received CFPB complaints from consumers in 11 states, with the most complaints from Wyoming (18 complaints).
What can I do if Trust Financial 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 Trust Financial 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 |