CFPB Consumer Complaint Profile
Cfs Acceptance
Consumers have filed 14 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
- 14
- Total complaints
- Below average
- 7
- Last 12 months
- 0%
- Timely response
- Bottom decile
- 9
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Cfs Acceptance has accumulated 14 complaints, placing it #3314 by volume. On-time replies land at 0%, the 0th percentile for the 100+ complaint peer group.
- #3314
- of 3,843 companies by volume
- 0%
- on time (0th pctile)
- Consumer Loan
- most-complained product
- 9
- 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.
Cfs Acceptance vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
0% Among the lowest in the bottom 1% 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 |
|---|---|
| 2015 | 2 |
| 2016 | 3 |
| 2017 | 1 |
| 2024 | 1 |
| 2025 | 6 |
| 2026year in progress | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Cfs Acceptance
The CFPB Consumer Complaint Database has logged 14 complaints against Cfs Acceptance overall, with 7 of those filed in the trailing 12 months. Reports have come from consumers in 9 states and territories, making this a geographically concentrated complaint footprint. No product draws more complaints than "Consumer Loan," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Managing the loan or lease" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Cfs Acceptance's timely response rate stands at 0%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That trails the 95% benchmark badly, a red flag given how strongly late or missing responses predict CFPB supervisory attention. The company's response carried a 0% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. 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 Cfs Acceptance have?
The CFPB has logged 14 complaints against Cfs Acceptance to date, of which 7 came in over the last 12 months.
Does Cfs Acceptance respond to complaints on time?
Cfs Acceptance has a 0% timely response rate to CFPB complaints. This is below the typical industry benchmark of 95%.
What product generates the most complaints for Cfs Acceptance?
"Consumer Loan" draws more CFPB complaints against Cfs Acceptance than any other product - see the full breakdown above.
What is the most common complaint issue with Cfs Acceptance?
The most common issue reported by consumers about Cfs Acceptance is "Managing the loan or lease." All complaint issues are listed above with their counts.
How do I file a complaint against Cfs Acceptance?
You can file a complaint against Cfs Acceptance 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 Cfs Acceptance?
Consumers in 9 states and territories have filed complaints about Cfs Acceptance 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 Cfs Acceptance: 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 (0% here).
Also handles Consumer Loan
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.