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 2026-05-15
- 15
- Total complaints
- 0
- Last 12 months
- 80%
- Timely response
- 8
- States affected
The verdict
Out of 3,848 financial companies in the CFPB database, Access Financial LLC has accumulated 15 complaints, placing it #3236 by volume. 80% of its complaints get an on-time reply, falling short of the 93% median for the 100+ complaint peer group.
- #3236
- of 3,848 companies by volume
- 80%
- answered on time
- Debt collection
- most-complained product
- 8
- states with complaints
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 answers 80% of 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 in 25% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Of complaints that were resolved, 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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
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?
80% of the CFPB complaints against Access Financial LLC get a response within 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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~15)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.