CFPB Consumer Complaint Profile
Special Financing Company, LLC
101 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 101
- Total complaints
- Mid-range
- 34
- Last 12 months
- 100%
- Timely response
- Top decile
- 27
- States affected
The verdict
Special Financing Company, LLC ranks #1327 of 3,843 financial companies by CFPB complaint volume, with 101 complaints on record. On-time replies land at 100%, the 86th percentile for the 100+ complaint peer group.
- #1327
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Payday loan, title l…
- 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.
Special Financing Company, LLC 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
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 16 in 2024 to 31 in 2025 (2024 → 2025).
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 |
|---|---|
| 2015 | 1 |
| 2016 | 9 |
| 2017 | 15 |
| 2018 | 4 |
| 2019 | 1 |
| 2020 | 1 |
| 2021 | 4 |
| 2022 | 3 |
| 2023 | 12 |
| 2024 | 16 |
| 2025 | 31 |
| 2026year in progress | 4 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Special Financing Company, LLC
The CFPB Consumer Complaint Database has logged 101 complaints against Special Financing Company, LLC overall, with 34 of those filed in the trailing 12 months. Reports have come from consumers in 27 states and territories, making this a multi-regional complaint footprint. "Payday loan, title loan, personal loan, or advance loan" 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 "Improper use of your report," a reasonable starting point for understanding recurring friction.
CFPB-forwarded complaints against Special Financing Company, LLC 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. The company's response carried a 17.6% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, the consumer-relief closure rate is 0%.
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 Special Financing Company, LLC have?
101 complaints have been filed against Special Financing Company, LLC with the CFPB overall - 34 of them in the past year.
Does Special Financing Company, LLC respond to complaints on time?
Special Financing Company, LLC has a 100% timely response rate to CFPB complaints. That is a strong response record by CFPB standards.
What product generates the most complaints for Special Financing Company, LLC?
The most complained-about product for Special Financing Company, LLC is "Payday loan, title loan, personal loan, or advance loan." You can view the full product breakdown on this page.
What is the most common complaint issue with Special Financing Company, LLC?
The most common issue reported by consumers about Special Financing Company, LLC is "Improper use of your report." All complaint issues are listed above with their counts.
How do I file a complaint against Special Financing Company, LLC?
You can file a complaint against Special Financing Company, 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 Special Financing Company, LLC?
The CFPB has recorded complaints against Special Financing Company, LLC 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 Special Financing Company, 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 (17.6% here).
Also handles Payday loan, title loan, personal loan, or advance loan
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Special Financing Company, LLC have?
101 complaints have been filed against Special Financing Company, LLC with the CFPB overall - 34 of them in the past year.
Does Special Financing Company, LLC respond to complaints on time?
Special Financing Company, LLC has a 100% timely response rate to CFPB complaints. That is a strong response record by CFPB standards.
What product generates the most complaints for Special Financing Company, LLC?
The most complained-about product for Special Financing Company, LLC is "Payday loan, title loan, personal loan, or advance loan." You can view the full product breakdown on this page.
What is the most common complaint issue with Special Financing Company, LLC?
The most common issue reported by consumers about Special Financing Company, LLC is "Improper use of your report." All complaint issues are listed above with their counts.
How do I file a complaint against Special Financing Company, LLC?
You can file a complaint against Special Financing Company, 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 Special Financing Company, LLC?
The CFPB has recorded complaints against Special Financing Company, LLC 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.