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

CFPB complaint data Grade C 25 complaints

Vanguard Financial Services, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 4 states, reputation grade C.

Complaints by issue type

What consumers report about Vanguard Financial Services, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 25
  • GRADE C
  • 12MO 3
  • STATES 4
  • TIMELY 100%
  • ISSUE Attempts to collect debt n…
  • RANK #1,724
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Absolute Credit LLC (25 complaints)

Absolute Credit LLCAbsolute Credit LLC25Access Group Inc.Access Group Inc.25Advanced Call Center Technologies, LLCAdvanced Call Center Technol…25Bonded Adjustment CompanyBonded Adjustment Company25Vanguard Financial Services, Inc. (this)Vanguard Financial Services,…25
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 →

How the 25 complaints break down

Every complaint issue type on record for Vanguard Financial Services, Inc., not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
56.1/100
Vanguard Financial Services, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume D
25
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate N/A
N/A
No dispute rate reported.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

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

Concentration is computed from this collector's company_states rows only, not a national baseline. 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)
Corpus ranks
#1,724 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

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 Services, Inc. National average
Complaints (last 12 mo)lower is better
3
16
268
Timely-response ratehigher is better
100%
100%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Vanguard Financial Services, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 8 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 0%20%40%60%80%100%120% 0%5%10%15%20%25% Timely response rate (%) Dispute rate (%) Vanguard Financial Services, Inc. vs. 8 similar-volume peers, by response speed and dispute rate Time Investment CorporationWESTERN UNION COMPANY, THEThe Schreiber Law Firm, PLLCStern & Stern. P.C.Rocky Mountain Recovery GroupRed Cedar Services, IncRGL Associates, Inc.Northern Alliance Management, LLC
Source: CFPB Consumer Complaint Database

Vanguard Financial Services, Inc.'s complaint volume in context

Vanguard Financial Services, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

25 68th percentile higher than 68% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). This entry sits in this band. 40–60: 260 collectors (5%). Above this entry. 60–80: 163 collectors (3%). Above this entry. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Vanguard Financial Services, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
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.

Top states by complaints against Vanguard Financial Services, Inc.

Across 4 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.