Squaretwo Financial Corporation
A federal complaint-record lookup, not a rating from us.
Debt Collector, CFPB Complaint Profile Specializes in: Credit card
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Most consumers facing collection complaints carry utilization in the Fair-Poor band. FICO bands per myFICO + Experian guidance.
FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 46 |
| 2014 | 111 |
| 2015 | 134 |
| 2016 | 138 |
| 2017 | 55 |
| 2018 | 7 |
| 2019 | 1 |
| 2025 | 1 |
Complaints by State (Top 15)
Other Complaint Types
Your Rights with Debt Collectors
The Fair Debt Collection Practices Act (FDCPA) protects you from abusive, unfair, and deceptive collection practices.
- Request written verification of any debt within 30 days of first contact
- Dispute a debt if you believe it is incorrect or does not belong to you
- Demand the collector stop contacting you (in writing)
- File a complaint with the CFPB at consumerfinance.gov/complaint
What the CFPB Record Shows for Squaretwo Financial Corporation
The CFPB has logged 445 debt-collection complaints against Squaretwo Financial Corporation, 90.3% of the 493 complaints filed against this entity overall. Consumers in 47 states and territories have filed reports, putting this collection operation in nationwide territory by complaint volume. The most common debt type behind these complaints is "Credit card," which is the category consumers most often describe when they file a CFPB report about this collector. "Cont'd attempts collect debt not owed" comes up most often as the specific issue cited - worth a look for anyone trying to spot this collector's recurring pain point.
Within the Bureau's 15-day response window, this company answers 97.8% of forwarded complaints. That figure meets the industry benchmark and indicates an intake process that is functioning on schedule. Of resolved cases, 25.2% closed with monetary or non-monetary relief to the consumer. The response was formally disputed in 21.7% of resolved cases, indicating how frequently the initial fix fell short.
How to read these numbers, and what to do if you're disputing a charge
Complaint volume alone does not prove wrongdoing, larger collection portfolios naturally produce more complaints, but the combination of timely-response rate, relief ratio, and dispute rate above gives a reasonable empirical picture of how this collector handles consumer interactions. Anyone in active dispute with this company should keep written records, use certified mail for verification requests (see your FDCPA rights above), and consider filing a CFPB complaint if standard resolution channels stall.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Frequently Asked Questions
How many debt collection complaints does Squaretwo Financial Corporation have?
445 debt-collection complaints against Squaretwo Financial Corporation appear in the CFPB record - 90.3% of the company's total complaint volume.
Does Squaretwo Financial Corporation respond to complaints on time?
Squaretwo Financial Corporation's CFPB timely-response rate is 97.8%. That is a strong response record by CFPB standards.
Does Squaretwo Financial Corporation provide relief to consumers?
Of resolved complaints against Squaretwo Financial Corporation, 25.2% ended with consumer relief of some kind.
What type of debt does Squaretwo Financial Corporation primarily collect?
"Credit card" is the debt type Squaretwo Financial Corporation is most associated with in CFPB complaint data - see the full breakdown above.
What rights do I have against Squaretwo Financial Corporation?
Under the Fair Debt Collection Practices Act (FDCPA), you can request written debt verification within 30 days, dispute debts you believe are incorrect, demand the collector stop contacting you in writing, and file a complaint with the CFPB at consumerfinance.gov/complaint.
In how many states is Squaretwo Financial Corporation active?
Consumers in 47 states and territories have filed CFPB complaints against Squaretwo Financial Corporation.
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.