Total CFPB complaints
69
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 69 complaints
Yamaha Motor Finance Corporation USA — 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 Yamaha Motor Finance Corporation USA
- Attempts to collect debt not owed
Attempts to collect debt not owed
28 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
18 complaints
- Written notification about debt 11
Written notification about debt
11 complaints
- False statements or representation 8
False statements or representation
8 complaints
- Didn't provide services promised 1
Didn't provide services promised
1 complaints
D
Grade D · 54.8/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Yamaha Motor Finance Corporation USA?
Yamaha Motor Finance Corporation USA has accumulated 69 total CFPB complaints across 11 states, with 26 filed in the most recent 12 months against 43 historical complaints before that window. The trailing-12-month volume represents 37.7% 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 "Took or threatened to take negative or legal action", narrowing to "Threatened or suggested your credit would be damaged", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-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 Florida with 17 and California with 17, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 54.8/100 places Yamaha Motor Finance Corporation USA 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
26
37.7% of total history
Rising ↑
States active
11
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
D
54.8/100 composite
Response-quality profile
How Yamaha Motor Finance Corporation USA performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 19.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Yamaha Motor Finance Corporation USA compare to its peers?
Yamaha Motor Finance C… 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)
2023-11 2026-02
Top Consumer Issues
Took or threatened to take negative or legal action18 (%)
Attempts to collect debt not owed28 (%)
False statements or representation8 (%)
Written notification about debt11 (%)
Didn't provide services promised1 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
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 |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 17 |
| Attempts to collect debt not owed | Debt is not yours | 12 |
| Attempts to collect debt not owed | Debt was result of identity theft | 9 |
| False statements or representation | Attempted to collect wrong amount | 8 |
| Written notification about debt | Didn't receive enough information to verify debt | 7 |
| Attempts to collect debt not owed | Debt was paid | 7 |
| Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | 2 |
| Written notification about debt | Didn't receive notice of right to dispute | 2 |
| Didn't provide services promised | — | 1 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 1 |
Where do complaints against Yamaha Motor Finance Corporation USA come from?
The states where consumers have filed the most CFPB complaints against Yamaha Motor Finance Corporation USA. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Yamaha Motor Finance Corporation USA
Across 11 states with at least one filing
- Florida
Florida
17 complaints
- California
California
17 complaints
- Georgia
Georgia
15 complaints
- Texas 5
Texas
5 complaints
- North Carolina 5
North Carolina
5 complaints
- Arizona 3
Arizona
3 complaints
- New York 2
New York
2 complaints
- Mississippi 1
Mississippi
1 complaints
Frequently Asked Questions
What is the most common complaint against Yamaha Motor Finance Corporation USA? ▼
The most common issue consumers report about Yamaha Motor Finance Corporation USA is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 69 complaints filed with the CFPB.
Are complaints against Yamaha Motor Finance Corporation USA increasing or decreasing? ▼
Complaints against Yamaha Motor Finance Corporation USA are rising. The company received 26 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Yamaha Motor Finance Corporation USA's reputation grade? ▼
Yamaha Motor Finance Corporation USA has a reputation grade of D (score: 54.8/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Yamaha Motor Finance Corporation USA respond to consumer complaints? ▼
Yamaha Motor Finance Corporation USA has a 100% timely response rate to CFPB complaints.
In how many states does Yamaha Motor Finance Corporation USA operate? ▼
Yamaha Motor Finance Corporation USA has received CFPB complaints from consumers in 11 states, with the most complaints from Florida (17 complaints).
What can I do if Yamaha Motor Finance Corporation USA 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 Yamaha Motor Finance Corporation USA 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 |