CFPB Consumer Complaint Profile
HFS 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
- 5
- Last 12 months
- 93.3%
- Timely response
- Bottom quartile
- 9
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, HFS Financial LLC has accumulated 15 complaints, placing it #3232 by volume. On-time replies land at 93.3%, the 24th percentile for the 100+ complaint peer group.
- #3232
- of 3,843 companies by volume
- 93.3%
- on time (24th pctile)
- Payday loan, title l…
- 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.
HFS Financial LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
93.3% Among the lowest higher than 24% 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 | 1 |
| 2020 | 1 |
| 2022 | 3 |
| 2023 | 4 |
| 2025 | 4 |
| 2026year in progress | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for HFS Financial LLC
15 complaints against HFS Financial LLC appear in the CFPB record, including 5 from the trailing year. The 9 states and territories represented put this footprint in geographically concentrated territory. "Payday loan, title loan, or personal loan" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "Getting the loan," a reasonable starting point for understanding recurring friction.
CFPB-forwarded complaints against HFS Financial LLC draw a 93.3% reply rate 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. Among resolved complaints, the consumer-relief closure rate is 0%.
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 HFS Financial LLC have?
The CFPB has logged 15 complaints against HFS Financial LLC to date, of which 5 came in over the last 12 months.
Does HFS Financial LLC respond to complaints on time?
HFS Financial LLC's CFPB timely-response rate is 93.3%.
What product generates the most complaints for HFS Financial LLC?
"Payday loan, title loan, or personal loan" draws more CFPB complaints against HFS Financial LLC than any other product - see the full breakdown above.
What is the most common complaint issue with HFS Financial LLC?
"Getting the loan" is the single most frequently cited issue in complaints against HFS Financial LLC - see all issues and counts above.
How do I file a complaint against HFS Financial LLC?
You can file a complaint against HFS 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 HFS Financial LLC?
Consumers in 9 states and territories have filed complaints about HFS 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.
Also handles Payday loan, title loan, or personal 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.