CFPB Consumer Complaint Profile
Pharus Funding LLC
Behind the 14 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-05-15
- 14
- Total complaints
- 2
- Last 12 months
- 92.9%
- Timely response
- 9
- States affected
The verdict
Among 3,848 financial companies tracked by CFPB complaint volume, Pharus Funding LLC sits at #3318, with 14 complaints logged. Its on-time response rate is 92.9%, ahead of the 93% median among companies with 100+ complaints.
- #3318
- of 3,848 companies by volume
- 92.9%
- answered on time
- Debt collection
- most-complained product
- 9
- states with complaints
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 |
|---|---|
| 2018 | 1 |
| 2020 | 1 |
| 2021 | 1 |
| 2022 | 1 |
| 2023 | 4 |
| 2024 | 4 |
| 2025 | 1 |
| 2026 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Pharus Funding LLC
Pharus Funding LLC carries 14 complaints in the CFPB's database, 2 of them filed within the past 12 months. Consumers spanning 9 states and territories have weighed in, giving this a geographically concentrated footprint. "Debt collection" 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 "Took or threatened to take negative or legal action," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, Pharus Funding LLC answers 92.9% of forwarded complaints. That falls short of the 95% benchmark, a gap that tends to track with more disputes downstream. 0% of resolved complaints ended with some monetary or non-monetary relief for 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 (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 Pharus Funding LLC have?
14 complaints have been filed against Pharus Funding LLC with the CFPB overall - 2 of them in the past year.
Does Pharus Funding LLC respond to complaints on time?
Pharus Funding LLC has a 92.9% timely response rate to CFPB complaints.
What product generates the most complaints for Pharus Funding LLC?
Among all products tied to Pharus Funding LLC, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Pharus Funding LLC?
The most common issue reported by consumers about Pharus Funding LLC is "Took or threatened to take negative or legal action." All complaint issues are listed above with their counts.
How do I file a complaint against Pharus Funding LLC?
You can file a complaint against Pharus Funding 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 Pharus Funding LLC?
Pharus Funding LLC has drawn CFPB complaints from 9 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.
Similar complaint volume (~14)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.