2026 data Public-data reference. official source

Cottonwood Financial Ltd.

A federal complaint-record lookup, not a rating from us.

PlainCredit home → About this data

Debt Collector, CFPB Complaint Profile Specializes in: Payday loan debt

CFPB collection forwarding receipt

Forwarded record DC-COTTONWOOD-FINANCI Cottonwood Financial Ltd.

253 DC complaints · rank #314/656 · 99.1% timely

  • DC 253
  • RANK #314/656
  • TIMELY 99.1%
  • RELIEF 1.8%
  • DISPUTE 10.2%
  • STATES 34
  • ISSUE Communication tactics
  • RESP Closed with explanation
  • PHOTO Account Resolution Corporat…

Volume peers

Photo peer: Account Resolution Corporation (253)

Account Resolution Corporati…253Collection Consultants of Ca…254Financial Data Systems255Cottonwood Financial Ltd. (t…253
Debt-collection complaint volume neighbourhood (this collector + nearest volume peers)

Cottonwood Financial Ltd.'s 253 debt-collection complaints sit next to Account Resolution Corporation (253) on the volume neighbourhood; peer NAMES stay, and the receipt VALUES are this collector's. Full complaint profile for Cottonwood Financial Ltd. →

Debt Collection Complaint Breakdown

Payday loan debt 123
Payday loan 82
I do not know 26
Other debt 13
Other (i.e. phone, health club, etc.) 5
Credit card debt 2
Telecommunications debt 1
Auto 1

Top Complaint Issues

1.Communication tactics 61
2.Took or threatened to take negative or legal action 50
3.Attempts to collect debt not owed 37
4.Struggling to pay your loan 29
5.Charged fees or interest I didn't expect 26
6.Improper contact or sharing of info 21
7.Taking/threatening an illegal action 21
8.False statements or representation 20
9.Written notification about debt 19
10.Can't contact lender 17

Company Responses

Closed with explanation 441
Closed with non-monetary relief 6
Closed with monetary relief 2
Closed 1
Consumers who disputed the response 10.2%

Complaints by Year

Year Complaints
2014 46
2015 71
2016 47
2017 46
2018 41
2019 34
2020 47
2021 34
2022 27
2023 41
2024 16

Complaints by State (Top 15)

Texas 262
Illinois 41
Wisconsin 34
New Mexico 19
Idaho 9
Utah 8
Michigan 8
Minnesota 7
Washington 6
Florida 5
Louisiana 4
Maryland 3
Ohio 3
Arizona 3
Georgia 3

What the CFPB Record Shows for Cottonwood Financial Ltd.

According to the CFPB Consumer Complaint Database as aggregated by PlainCredit, Cottonwood Financial Ltd. ranks #314 of 656 debt collectors by debt-collection complaint volume (52nd percentile), using the same dc_complaints sort as the Collectors directory. The CFPB has logged 253 debt-collection complaints against Cottonwood Financial Ltd., 56.2% of the 450 complaints filed against this entity overall. Consumers in 34 states and territories have filed reports, putting this collection operation in multi-state territory by complaint volume. The most common debt type behind these complaints is "Payday loan debt," which is the category consumers most often describe when they file a CFPB report about this collector. The single most-cited specific issue is "Communication tactics" - a useful starting point for understanding where the friction between this collector and consumers most frequently occurs.

99.1% of CFPB-forwarded complaints against this company get a reply inside the Bureau's 15-day window. That clears the industry benchmark, a sign the intake process is functioning on schedule. Among resolved cases, 1.8% ended with monetary or non-monetary relief to the consumer - a notably low rate worth weighing against the dispute percentage. In 10.2% of resolved cases, the consumer formally disputed the response - a rough measure of how often the first resolution missed the mark.

Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.

Full complaint profile for Cottonwood Financial Ltd. → · All debt collectors →

Nationwide collectors with similar complaint volume or dispute rates

Two CFPB peer sets for Cottonwood Financial Ltd.: nearest debt collectors by debt-collection complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the volume strip on the forwarding receipt above.

Similar complaint volume

Nearest collectors by debt-collection complaint count (253 here).

Account Resolution Corporation 253 Collection Consultants of California 254 Financial Data Systems 255 Receivable Management Group, Inc. (GA) 255

Similar dispute rates

Nearest collectors by share of complaints marked disputed (10.2% here).

Asset Recovery Solutions, LLC 10.2% D&A Services, LLC 10.2% Populus Financial Group, Inc. (F/K/A Ace Cash Express) 10.2% Turning Point Solutions LLC 10.1%

Frequently asked questions

How many CFPB debt-collection complaints does Cottonwood Financial Ltd. have?

The CFPB extract lists 253 debt-collection complaints against Cottonwood Financial Ltd. (#314 of 656 collectors by volume).

Does Cottonwood Financial Ltd. respond to CFPB complaints on time?

CFPB complaints against Cottonwood Financial Ltd. show a 99.1% timely-response rate.

What issue do consumers cite most about Cottonwood Financial Ltd.?

The most-cited issue in complaints about Cottonwood Financial Ltd. is "Communication tactics."

How should I read Cottonwood Financial Ltd.'s CFPB complaint record?

Cottonwood Financial Ltd.'s profile is a CFPB data extract for research. For rights and filing mechanics, use the debt-collection rights and how-to-file-CFPB-complaint guides on this site.

Related guides: Debt collection rights · How to file a CFPB complaint · Reading CFPB complaint data

Source: Consumer Financial Protection Bureau Consumer Complaint Database · Q1 2026 Complaints filed against firms, not individuals. Data through March 2026.

Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the CFPB Consumer Complaint Database. Consult a qualified professional before making decisions based on this data.

Read our methodology - how this data is sourced, computed, and verified.