What is the most common complaint against Vanguard Financial Services, Inc.?

The most common issue consumers report about Vanguard Financial Services, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 25 complaints filed with the CFPB.

Are complaints against Vanguard Financial Services, Inc. increasing or decreasing?

Complaints against Vanguard Financial Services, Inc. are falling. The company received 3 complaints in the last 12 months, showing improvement over prior periods.

What is Vanguard Financial Services, Inc.'s reputation grade?

Vanguard Financial Services, Inc. has a reputation grade of C (score: 56.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Vanguard Financial Services, Inc. respond to consumer complaints?

Vanguard Financial Services, Inc. has a 100% timely response rate to CFPB complaints.

In how many states does Vanguard Financial Services, Inc. operate?

Vanguard Financial Services, Inc. has received CFPB complaints from consumers in 4 states, with the most complaints from West Virginia (13 complaints).

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

Vanguard Financial Services, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 4 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

12
Written notification about debt

7
Took or threatened to take negative or legal action

3
False statements or representation

2
Communication tactics

1

Data updated September 2026

CFPB complaint disposition

CCDB record vanguard-financial-services-inc Vanguard Financial Services, Inc.

Grade C · 25 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #1724 · compose #3144

VOL 25
GRADE C
12MO 3
STATES 4
TIMELY 100%
ISSUE Attempts to collect debt n…
RANK #1,724
COMPOSE #3,144

Volume peers

Nearest volume peer: Absolute Credit LLC (25 complaints)

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

Vanguard Financial Services, Inc.'s 25 CFPB complaints sit next to Absolute Credit LLC 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

52.0% of Vanguard Financial Services, Inc.'s CFPB filings land in West Virginia

High volume does not equal a clean composite: Vanguard Financial Services, Inc. is volume #1,724 but composite #3,144, while West Virginia dominates the geography. Corpus placement method.

Dominant state: West Virginia 52.0%; 13 of 25 filings · 4 states touched
Spike month: 2024-12 25.0%; 3 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #1,724 volume; #3,144 composite; Cleanest-composite ladder is 1,420 places worse than volume

How does Vanguard Financial Services, Inc. compare to its peers?

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

Vanguard Financial Ser… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-08 2025-08

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	12
Written notification about debt	7
Took or threatened to take negative or legal action	3
False statements or representation	2
Communication tactics	1

Where do complaints against Vanguard Financial Services, Inc. come from?

Vanguard Financial Services, Inc.'s own per-state count, not a national baseline.

West Virginia

13
Ohio

5
Virginia

5
Kentucky

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Vanguard Financial Services, Inc.: 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: 25.

4 peers

Know your rights before responding to Vanguard Financial Services, Inc.: 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.