CFPB Consumer Complaint Profile
Access Financial LLC
Behind the 15 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 15
- Total complaints
- Below average
- 0
- Last 12 months
- 80%
- Timely response
- Bottom decile
- 8
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Access Financial LLC has accumulated 15 complaints, placing it #3232 by volume. On-time replies land at 80%, the 9th percentile for the 100+ complaint peer group.
- #3232
- of 3,843 companies by volume
- 80%
- on time (9th pctile)
- Debt collection
- most-complained product
- 8
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Access Financial LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
80% Among the lowest higher than 9% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2017 | 7 |
| 2018 | 6 |
| 2019 | 1 |
| 2022 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Access Financial LLC
Access Financial LLC carries 15 complaints in the CFPB's database, 0 of them filed within the past 12 months. Consumers spanning 8 states and territories have weighed in, giving this a geographically concentrated footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Communication tactics" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Within the Bureau's 15-day response window, Access Financial LLC posts a 80% reply rate on forwarded complaints. That sits below the 95% industry benchmark and tends to correlate with higher consumer dispute rates downstream. Consumers formally disputed the company's response at a 25% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, 0% closed with some form of monetary or non-monetary relief to the consumer.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Access Financial LLC have?
15 complaints have been filed against Access Financial LLC with the CFPB overall - 0 of them in the past year.
Does Access Financial LLC respond to complaints on time?
CFPB complaints against Access Financial LLC draw a 80% timely-response rate inside the expected window.
What product generates the most complaints for Access Financial LLC?
The most complained-about product for Access Financial LLC is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Access Financial LLC?
"Communication tactics" is the single most frequently cited issue in complaints against Access Financial LLC - see all issues and counts above.
How do I file a complaint against Access Financial LLC?
You can file a complaint against Access Financial LLC directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Access Financial LLC?
The CFPB has recorded complaints against Access Financial LLC from 8 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Access Financial LLC: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (25% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.