CFPB Consumer Complaint Profile
BAM Financial, LLC
Consumers have filed 54 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 54
- Total complaints
- Mid-range
- 0
- Last 12 months
- 50%
- Timely response
- Bottom decile
- 22
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, BAM Financial, LLC has accumulated 54 complaints, placing it #1757 by volume. On-time replies land at 50%, the 3rd percentile for the 100+ complaint peer group.
- #1757
- of 3,843 companies by volume
- 50%
- on time (3rd pctile)
- Debt collection
- most-complained product
- 22
- 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.
BAM Financial, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
50% Among the lowest higher than 3% 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 |
|---|---|
| 2013 | 7 |
| 2014 | 21 |
| 2015 | 13 |
| 2016 | 3 |
| 2017 | 1 |
| 2020 | 2 |
| 2021 | 7 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for BAM Financial, LLC
The CFPB Consumer Complaint Database has logged 54 complaints against BAM Financial, LLC overall, with 0 of those filed in the trailing 12 months. Reports have come from consumers in 22 states and territories, making this a multi-regional complaint footprint. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Taking/threatening an illegal action" 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, BAM Financial, LLC posts a 50% reply rate on forwarded complaints. That is well below the 95% industry benchmark and is a material red flag, late or missing responses are one of the strongest predictors of CFPB supervisory interest. Resolved cases drew a formal consumer-dispute rate of 33.3% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, the consumer-relief closure rate is 5.6%.
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 BAM Financial, LLC have?
The CFPB has logged 54 complaints against BAM Financial, LLC to date, of which 0 came in over the last 12 months.
Does BAM Financial, LLC respond to complaints on time?
BAM Financial, LLC has a 50% timely response rate to CFPB complaints. This is below the typical industry benchmark of 95%.
What product generates the most complaints for BAM Financial, LLC?
The most complained-about product for BAM Financial, LLC is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with BAM Financial, LLC?
"Taking/threatening an illegal action" is the single most frequently cited issue in complaints against BAM Financial, LLC - see all issues and counts above.
How do I file a complaint against BAM Financial, LLC?
You can file a complaint against BAM 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 BAM Financial, LLC?
Consumers in 22 states and territories have filed complaints about BAM Financial, LLC with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for BAM 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 (33.3% 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.