CFPB Consumer Complaint Profile
Town Financial Corporation
12 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
- 12
- Total complaints
- Below average
- 1
- Last 12 months
- 58.3%
- Timely response
- Bottom decile
- 2
- States affected
The verdict
12 CFPB complaints put Town Financial Corporation at #3492 out of 3,843 financial companies ranked by complaint volume. It posts a 58.3% on-time response rate, the 4th percentile among companies with 100+ complaints.
- #3492
- of 3,843 companies by volume
- 58.3%
- on time (4th pctile)
- Debt collection
- most-complained product
- 2
- 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.
Town Financial Corporation vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
58.3% Among the lowest higher than 4% 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 |
|---|---|
| 2015 | 2 |
| 2017 | 1 |
| 2018 | 1 |
| 2020 | 1 |
| 2021 | 2 |
| 2023 | 1 |
| 2024 | 2 |
| 2025 | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Town Financial Corporation
Town Financial Corporation carries 12 complaints in the CFPB's database, 1 of them filed within the past 12 months. Consumers spanning 2 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. Inside that category, "Communication tactics" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Within the Bureau's 15-day response window, Town Financial Corporation posts a 58.3% reply rate on forwarded complaints. That trails the 95% benchmark badly, a red flag given how strongly late or missing responses predict CFPB supervisory attention. The company's response carried a 0% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 16.7% rate.
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 Town Financial Corporation have?
The CFPB has logged 12 complaints against Town Financial Corporation to date, of which 1 came in over the last 12 months.
Does Town Financial Corporation respond to complaints on time?
Town Financial Corporation's CFPB timely-response rate is 58.3%. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for Town Financial Corporation?
"Debt collection" draws more CFPB complaints against Town Financial Corporation than any other product - see the full breakdown above.
What is the most common complaint issue with Town Financial Corporation?
"Communication tactics" is the single most frequently cited issue in complaints against Town Financial Corporation - see all issues and counts above.
How do I file a complaint against Town Financial Corporation?
You can file a complaint against Town Financial Corporation 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 Town Financial Corporation?
Town Financial Corporation has drawn CFPB complaints from 2 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Town Financial Corporation: 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 (0% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Town Financial Corporation have?
The CFPB has logged 12 complaints against Town Financial Corporation to date, of which 1 came in over the last 12 months.
Does Town Financial Corporation respond to complaints on time?
Town Financial Corporation's CFPB timely-response rate is 58.3%. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for Town Financial Corporation?
"Debt collection" draws more CFPB complaints against Town Financial Corporation than any other product - see the full breakdown above.
What is the most common complaint issue with Town Financial Corporation?
"Communication tactics" is the single most frequently cited issue in complaints against Town Financial Corporation - see all issues and counts above.
How do I file a complaint against Town Financial Corporation?
You can file a complaint against Town Financial Corporation 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 Town Financial Corporation?
Town Financial Corporation has drawn CFPB complaints from 2 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.