CFPB Consumer Complaint Profile
Proficio Financial Services, LLC
Consumers have filed 27 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
- 27
- Total complaints
- Mid-range
- 1
- Last 12 months
- 92.6%
- Timely response
- Bottom quartile
- 7
- States affected
The verdict
27 CFPB complaints put Proficio Financial Services, LLC at #2473 out of 3,843 financial companies ranked by complaint volume. It posts a 92.6% on-time response rate, the 23rd percentile among companies with 100+ complaints.
- #2473
- of 3,843 companies by volume
- 92.6%
- on time (23rd pctile)
- Debt collection
- most-complained product
- 7
- 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.
Proficio Financial Services, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
92.6% Among the lowest higher than 23% 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 | 1 |
| 2015 | 1 |
| 2016 | 6 |
| 2017 | 2 |
| 2018 | 1 |
| 2020 | 3 |
| 2022 | 7 |
| 2023 | 2 |
| 2024 | 1 |
| 2025 | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Proficio Financial Services, LLC
The CFPB Consumer Complaint Database has logged 27 complaints against Proficio Financial Services, LLC overall, with 1 of those filed in the trailing 12 months. Reports have come from consumers in 7 states and territories, making this a geographically concentrated complaint footprint. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. The specific issue named most within that category is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction.
CFPB-forwarded complaints against Proficio Financial Services, LLC draw a 92.6% reply rate inside the Bureau's 15-day window. That falls short of the 95% benchmark, a gap that tends to track with more disputes downstream. Consumers formally disputed the company's response at a 11.1% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. 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 Proficio Financial Services, LLC have?
The CFPB has logged 27 complaints against Proficio Financial Services, LLC to date, of which 1 came in over the last 12 months.
Does Proficio Financial Services, LLC respond to complaints on time?
Proficio Financial Services, LLC's CFPB timely-response rate is 92.6%.
What product generates the most complaints for Proficio Financial Services, LLC?
"Debt collection" draws more CFPB complaints against Proficio Financial Services, LLC than any other product - see the full breakdown above.
What is the most common complaint issue with Proficio Financial Services, LLC?
The most common issue reported by consumers about Proficio Financial Services, LLC is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against Proficio Financial Services, LLC?
You can file a complaint against Proficio 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 Proficio Financial Services, LLC?
The CFPB has recorded complaints against Proficio Financial Services, LLC from 7 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Proficio Financial Services, LLC: 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 (11.1% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Proficio Financial Services, LLC have?
The CFPB has logged 27 complaints against Proficio Financial Services, LLC to date, of which 1 came in over the last 12 months.
Does Proficio Financial Services, LLC respond to complaints on time?
Proficio Financial Services, LLC's CFPB timely-response rate is 92.6%.
What product generates the most complaints for Proficio Financial Services, LLC?
"Debt collection" draws more CFPB complaints against Proficio Financial Services, LLC than any other product - see the full breakdown above.
What is the most common complaint issue with Proficio Financial Services, LLC?
The most common issue reported by consumers about Proficio Financial Services, LLC is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against Proficio Financial Services, LLC?
You can file a complaint against Proficio 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 Proficio Financial Services, LLC?
The CFPB has recorded complaints against Proficio Financial Services, LLC from 7 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.