CFPB Consumer Complaint Profile
Phoenix Financial Services LLC
Consumers have filed 2,913 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-05-15
- 2,913
- Total complaints
- 0
- Last 12 months
- 98.2%
- Timely response
- 51
- States affected
The verdict
Among 3,848 financial companies tracked by CFPB complaint volume, Phoenix Financial Services LLC sits at #160, with 2,913 complaints logged. Its on-time response rate is 98.2%, ahead of the 93% median among companies with 100+ complaints.
- #160
- of 3,848 companies by volume
- 98.2%
- answered on time
- Debt collection
- most-complained product
- 51
- 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 |
|---|---|
| 2014 | 8 |
| 2015 | 33 |
| 2016 | 79 |
| 2017 | 224 |
| 2018 | 271 |
| 2019 | 353 |
| 2020 | 486 |
| 2021 | 701 |
| 2022 | 240 |
| 2023 | 362 |
| 2024 | 149 |
| 2025 | 7 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Phoenix Financial Services LLC
Phoenix Financial Services LLC carries 2,913 complaints in the CFPB's database, 0 of them filed within the past 12 months. Consumers spanning 51 states and territories have weighed in, giving this a nationwide footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction.
Phoenix Financial Services LLC's timely response rate stands at 98.2%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is at or above benchmark levels, a sign the company handles intake and escalation well. In 20.1% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. Of complaints that were resolved, 4.4% 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 (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 Phoenix Financial Services LLC have?
Phoenix Financial Services LLC has 2,913 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does Phoenix Financial Services LLC respond to complaints on time?
98.2% of the CFPB complaints against Phoenix Financial Services LLC get a response within the expected window. This is considered excellent.
What product generates the most complaints for Phoenix Financial Services LLC?
The most complained-about product for Phoenix Financial Services LLC is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Phoenix Financial Services LLC?
Consumers most often cite "Attempts to collect debt not owed" when complaining about Phoenix Financial Services LLC; the full issue list with counts is above.
How do I file a complaint against Phoenix Financial Services LLC?
You can file a complaint against Phoenix Financial Services 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 Phoenix Financial Services LLC?
The CFPB has recorded complaints against Phoenix Financial Services LLC from 51 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~2,913)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.