CFPB Consumer Complaint Profile
Pathfinder Credit Services
Behind the 49 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
- 49
- Total complaints
- Mid-range
- 10
- Last 12 months
- 100%
- Timely response
- Top decile
- 12
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Pathfinder Credit Services has accumulated 49 complaints, placing it #1855 by volume. It posts a 100% on-time response rate, the 86th percentile among companies with 100+ complaints.
- #1855
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Debt collection
- most-complained product
- 12
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
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.
Pathfinder Credit Services vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% 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
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2014 | 4 |
| 2015 | 5 |
| 2016 | 2 |
| 2017 | 3 |
| 2018 | 7 |
| 2019 | 5 |
| 2020 | 1 |
| 2021 | 1 |
| 2022 | 3 |
| 2023 | 1 |
| 2024 | 7 |
| 2025 | 4 |
| 2026year in progress | 6 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Pathfinder Credit Services
The CFPB Consumer Complaint Database has logged 49 complaints against Pathfinder Credit Services overall, with 10 of those filed in the trailing 12 months. Reports have come from consumers in 12 states and territories, making this a geographically concentrated complaint footprint. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Attempts to collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against Pathfinder Credit Services draw a 100% reply rate inside the Bureau's 15-day window. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Resolved cases drew a formal consumer-dispute rate of 25% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, the consumer-relief closure rate is 28.6%.
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 Pathfinder Credit Services have?
The CFPB has logged 49 complaints against Pathfinder Credit Services to date, of which 10 came in over the last 12 months.
Does Pathfinder Credit Services respond to complaints on time?
Pathfinder Credit Services's CFPB timely-response rate is 100%. That is a strong response record by CFPB standards.
What product generates the most complaints for Pathfinder Credit Services?
Among all products tied to Pathfinder Credit Services, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Pathfinder Credit Services?
Consumers most often cite "Attempts to collect debt not owed" when complaining about Pathfinder Credit Services; the full issue list with counts is above.
How do I file a complaint against Pathfinder Credit Services?
You can file a complaint against Pathfinder Credit Services 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 Pathfinder Credit Services?
Consumers in 12 states and territories have filed complaints about Pathfinder Credit Services 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 Pathfinder Credit Services: 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 (25% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Pathfinder Credit Services have?
The CFPB has logged 49 complaints against Pathfinder Credit Services to date, of which 10 came in over the last 12 months.
Does Pathfinder Credit Services respond to complaints on time?
Pathfinder Credit Services's CFPB timely-response rate is 100%. That is a strong response record by CFPB standards.
What product generates the most complaints for Pathfinder Credit Services?
Among all products tied to Pathfinder Credit Services, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Pathfinder Credit Services?
Consumers most often cite "Attempts to collect debt not owed" when complaining about Pathfinder Credit Services; the full issue list with counts is above.
How do I file a complaint against Pathfinder Credit Services?
You can file a complaint against Pathfinder Credit Services 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 Pathfinder Credit Services?
Consumers in 12 states and territories have filed complaints about Pathfinder Credit Services 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.