CFPB Consumer Complaint Profile
USA Service Finance LLC
What 21 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
- 21
- Total complaints
- Mid-range
- 0
- Last 12 months
- 95.2%
- Timely response
- Below median
- 12
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, USA Service Finance LLC sits at #2800, with 21 complaints logged. Its on-time response rate is 95.2%, the 30th percentile among companies with 100+ complaints.
- #2800
- of 3,843 companies by volume
- 95.2%
- on time (30th pctile)
- Credit reporting, cr…
- most-complained product
- 12
- 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.
USA Service Finance LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
95.2% Around the middle higher than 30% 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 |
|---|---|
| 2016 | 1 |
| 2017 | 1 |
| 2018 | 2 |
| 2019 | 1 |
| 2020 | 1 |
| 2021 | 2 |
| 2022 | 8 |
| 2023 | 5 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for USA Service Finance LLC
USA Service Finance LLC carries 21 complaints in the CFPB's database, 0 of them filed within the past 12 months. Consumers spanning 12 states and territories have weighed in, giving this a geographically concentrated footprint. The single largest complaint category is "Credit reporting, credit repair services, or other personal consumer reports," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Problem with a credit reporting company's investigation into an existing problem," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, USA Service Finance LLC posts a 95.2% reply rate on forwarded complaints. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Resolved cases drew a formal consumer-dispute rate of 100% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 4.8% 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 USA Service Finance LLC have?
The CFPB has logged 21 complaints against USA Service Finance LLC to date, of which 0 came in over the last 12 months.
Does USA Service Finance LLC respond to complaints on time?
USA Service Finance LLC's CFPB timely-response rate is 95.2%. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for USA Service Finance LLC?
"Credit reporting, credit repair services, or other personal consumer reports" draws more CFPB complaints against USA Service Finance LLC than any other product - see the full breakdown above.
What is the most common complaint issue with USA Service Finance LLC?
"Problem with a credit reporting company's investigation into an existing problem" is the single most frequently cited issue in complaints against USA Service Finance LLC - see all issues and counts above.
How do I file a complaint against USA Service Finance LLC?
You can file a complaint against USA Service Finance 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 USA Service Finance LLC?
USA Service Finance LLC has drawn CFPB complaints from 12 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 USA Service Finance 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 (100% here).
Also handles Credit reporting, credit repair services, or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does USA Service Finance LLC have?
The CFPB has logged 21 complaints against USA Service Finance LLC to date, of which 0 came in over the last 12 months.
Does USA Service Finance LLC respond to complaints on time?
USA Service Finance LLC's CFPB timely-response rate is 95.2%. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for USA Service Finance LLC?
"Credit reporting, credit repair services, or other personal consumer reports" draws more CFPB complaints against USA Service Finance LLC than any other product - see the full breakdown above.
What is the most common complaint issue with USA Service Finance LLC?
"Problem with a credit reporting company's investigation into an existing problem" is the single most frequently cited issue in complaints against USA Service Finance LLC - see all issues and counts above.
How do I file a complaint against USA Service Finance LLC?
You can file a complaint against USA Service Finance 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 USA Service Finance LLC?
USA Service Finance LLC has drawn CFPB complaints from 12 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.