CFPB Consumer Complaint Profile
SFS, Inc
What 65 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 65
- Total complaints
- Mid-range
- 0
- Last 12 months
- 96.9%
- Timely response
- Below median
- 27
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, SFS, Inc sits at #1604, with 65 complaints logged. Its on-time response rate is 96.9%, the 39th percentile among companies with 100+ complaints.
- #1604
- of 3,843 companies by volume
- 96.9%
- on time (39th pctile)
- Payday loan
- most-complained product
- 27
- 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.
SFS, Inc vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
96.9% Around the middle higher than 39% 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 |
|---|---|
| 2013 | 1 |
| 2014 | 22 |
| 2015 | 11 |
| 2016 | 15 |
| 2017 | 3 |
| 2018 | 4 |
| 2019 | 9 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for SFS, Inc
SFS, Inc carries 65 complaints in the CFPB's database, 0 of them filed within the past 12 months. Consumers spanning 27 states and territories have weighed in, giving this a multi-regional footprint. No product draws more complaints than "Payday loan," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Communication tactics" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against SFS, Inc draw a 96.9% 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. The company's response carried a 12% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, 40% 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 SFS, Inc have?
SFS, Inc has 65 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does SFS, Inc respond to complaints on time?
SFS, Inc's CFPB timely-response rate is 96.9%. That is a strong response record by CFPB standards.
What product generates the most complaints for SFS, Inc?
The most complained-about product for SFS, Inc is "Payday loan." You can view the full product breakdown on this page.
What is the most common complaint issue with SFS, Inc?
The most common issue reported by consumers about SFS, Inc is "Communication tactics." All complaint issues are listed above with their counts.
How do I file a complaint against SFS, Inc?
You can file a complaint against SFS, Inc 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 SFS, Inc?
The CFPB has recorded complaints against SFS, Inc from 27 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 SFS, Inc: 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 (12% here).
Also handles Payday loan
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does SFS, Inc have?
SFS, Inc has 65 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does SFS, Inc respond to complaints on time?
SFS, Inc's CFPB timely-response rate is 96.9%. That is a strong response record by CFPB standards.
What product generates the most complaints for SFS, Inc?
The most complained-about product for SFS, Inc is "Payday loan." You can view the full product breakdown on this page.
What is the most common complaint issue with SFS, Inc?
The most common issue reported by consumers about SFS, Inc is "Communication tactics." All complaint issues are listed above with their counts.
How do I file a complaint against SFS, Inc?
You can file a complaint against SFS, Inc 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 SFS, Inc?
The CFPB has recorded complaints against SFS, Inc from 27 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.