CFPB Consumer Complaint Profile

Advantage Financial Service LLC (Idaho)

What 58 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.

Data updated 2026-05-15

58
Total complaints
8
Last 12 months
94.8%
Timely response
10
States affected

The verdict

Among 3,848 financial companies tracked by CFPB complaint volume, Advantage Financial Service LLC (Idaho) sits at #1699, with 58 complaints logged. 94.8% of its complaints get an on-time reply, beating the 93% median for the 100+ complaint peer group.

#1699
of 3,848 companies by volume
94.8%
answered on time
Debt collection
most-complained product
10
states with complaints
Advantage Financial Service LLC (Idaho) timely response rate 94.8%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Debt collection - Medical debt 25
Debt collection - Other debt 11
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 7
Debt collection - Medical 7
Debt collection - I do not know 3
Debt collection - Rental debt 2
Credit reporting or other personal consumer reports - Credit reporting 2
Debt collection - Other (i.e. phone, health club, etc.) 1

Top Issues

1.Attempts to collect debt not owed 21
2.False statements or representation 7
3.Written notification about debt 6
4.Took or threatened to take negative or legal action 6
5.Incorrect information on your report 6
6.Communication tactics 6
7.Improper contact or sharing of info 2
8.Cont'd attempts collect debt not owed 1
9.Credit monitoring or identity theft protection services 1
10.Problem with a company's investigation into an existing problem 1

Complaints by Year

Year Complaints
2014 1
2015 1
2016 4
2017 7
2018 1
2019 7
2020 6
2021 6
2022 2
2023 5
2024 7
2025 8
2026 3

Complaints by State (Top 15)

Idaho 45
Arizona 2
Washington 2
Colorado 2
Montana 1
South Carolina 1
Utah 1
Florida 1
AP 1
Oregon 1

Company Responses

Closed with explanation 57
Closed with non-monetary relief 1

What the CFPB Complaint Record Shows for Advantage Financial Service LLC (Idaho)

The CFPB Consumer Complaint Database has logged 58 complaints against Advantage Financial Service LLC (Idaho) overall, with 8 of those filed in the trailing 12 months. Reports have come from consumers in 10 states and territories, making this a geographically concentrated complaint 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, "Attempts to collect debt not owed" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.

94.8% of CFPB-forwarded complaints against Advantage Financial Service LLC (Idaho) get a reply inside the Bureau's 15-day window. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. The company's response was formally disputed in 62.5% of resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, 1.7% closed with the consumer receiving monetary or non-monetary relief.

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 Advantage Financial Service LLC (Idaho) have?

The CFPB has logged 58 complaints against Advantage Financial Service LLC (Idaho) to date, of which 8 came in over the last 12 months.

Does Advantage Financial Service LLC (Idaho) respond to complaints on time?

Advantage Financial Service LLC (Idaho) has a 94.8% timely response rate to CFPB complaints.

What product generates the most complaints for Advantage Financial Service LLC (Idaho)?

Among all products tied to Advantage Financial Service LLC (Idaho), "Debt collection" accounts for the largest share of complaints (full breakdown above).

What is the most common complaint issue with Advantage Financial Service LLC (Idaho)?

The most common issue reported by consumers about Advantage Financial Service LLC (Idaho) is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.

How do I file a complaint against Advantage Financial Service LLC (Idaho)?

You can file a complaint against Advantage Financial Service LLC (Idaho) 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 Advantage Financial Service LLC (Idaho)?

Advantage Financial Service LLC (Idaho) has drawn CFPB complaints from 10 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.

Similar Companies

Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

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