# Ark-La-Tex Financial Services, LLC: 12 CFPB complaints

Updated November 10, 2026.

Ark-La-Tex Financial Services, LLC drew 12 consumer complaints in the CFPB database in the three years to November 9, 2026, and 60 since 2013. The largest group, 8, was about mortgage, and the most common issue was “Trouble during payment process” with 4. The company responded on time to 100.0% of the complaints, and 8.3% closed with monetary or other relief.

## The full list

This record is a row of this list. Pay by card with no account. Prices exclude VAT. CSV and Excel files with the columns this page does not show (company, company as the CFPB records it, complaints, last 3 years, complaints, last 12 months, complaints, 12 months before, complaints, 12 months before that and 8 more), which open on your screen as soon as the payment clears and come by email.

- [Companies with consumer complaints to the CFPB](https://specstream.ai/data/consumer-complaints): 5,399 rows, complaints received by the CFPB from November 9, 2023 to November 9, 2026, $133.99. Buy: https://specstream.ai/data/consumer-complaints

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

- Complaints, last 3 years: 12
- Complaints, all years: 60
- Responded on time: 100.0%
- Closed with relief: 8.3%
- Products: 3
- Latest received: Feb 17, 2026

## Complaints by year

Every year the CFPB database holds for this company, by the date received.

| Year | Complaints |
| --- | --- |
| 2026, to Nov 9 | 1 |
| 2025 | 9 |
| 2024 | 2 |
| 2023 | 8 |
| 2022 | 11 |
| 2021 | 11 |
| 2020 | 5 |
| 2019 | 1 |
| 2018 | 2 |
| 2017 | 3 |
| 2016 | 4 |
| 2014 | 2 |
| 2013 | 1 |

## Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

| Product | Complaints | Share |
| --- | --- | --- |
| [Mortgage](https://specstream.ai/data/consumer-complaints/product/mortgage) | 8 | 66.7% |
| [Credit reporting or other personal consumer reports](https://specstream.ai/data/consumer-complaints/product/credit-reporting-or-other-personal-consumer-reports) | 2 | 16.7% |
| [Debt collection](https://specstream.ai/data/consumer-complaints/product/debt-collection) | 2 | 16.7% |

## Issues

| Issue | Complaints | Share |
| --- | --- | --- |
| Trouble during payment process | 4 | 33.3% |
| Applying for a mortgage or refinancing an existing mortgage | 3 | 25% |
| Attempts to collect debt not owed | 1 | 8.3% |
| Closing on a mortgage | 1 | 8.3% |
| Improper use of your report | 1 | 8.3% |
| Incorrect information on your report | 1 | 8.3% |
| Took or threatened to take negative or legal action | 1 | 8.3% |

## How the company responded

| Company response | Complaints | Share |
| --- | --- | --- |
| Closed with explanation | 11 | 91.7% |
| Closed with non-monetary relief | 1 | 8.3% |

## States

| State | Complaints | Share |
| --- | --- | --- |
| [Texas](https://specstream.ai/data/consumer-complaints/state/texas) | 3 | 25% |
| [Arizona](https://specstream.ai/data/consumer-complaints/state/arizona) | 2 | 16.7% |
| [Illinois](https://specstream.ai/data/consumer-complaints/state/illinois) | 1 | 8.3% |
| [Michigan](https://specstream.ai/data/consumer-complaints/state/michigan) | 1 | 8.3% |
| [Montana](https://specstream.ai/data/consumer-complaints/state/montana) | 1 | 8.3% |
| [North Dakota](https://specstream.ai/data/consumer-complaints/state/north-dakota) | 1 | 8.3% |
| [New Jersey](https://specstream.ai/data/consumer-complaints/state/new-jersey) | 1 | 8.3% |
| [Oregon](https://specstream.ai/data/consumer-complaints/state/oregon) | 1 | 8.3% |
| [Pennsylvania](https://specstream.ai/data/consumer-complaints/state/pennsylvania) | 1 | 8.3% |

## Latest 12 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

| Received | Product | Issue | Company response | Source |
| --- | --- | --- | --- | --- |
| February 17, 2026 | Mortgage | Trouble during payment process | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/19543554) |
| December 12, 2025 | Mortgage | Applying for a mortgage or refinancing an existing mortgage | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/18006004) |
| December 1, 2025 | Mortgage | Applying for a mortgage or refinancing an existing mortgage | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/18057814) |
| October 20, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/16678470) |
| September 29, 2025 | Mortgage | Trouble during payment process | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/16240128) |
| August 15, 2025 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with non-monetary relief | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/15312330) |
| June 18, 2025 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/14156278) |
| April 29, 2025 | Mortgage | Closing on a mortgage | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/13240919) |
| March 28, 2025 | Mortgage | Trouble during payment process | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/12701524) |
| January 24, 2025 | Mortgage | Applying for a mortgage or refinancing an existing mortgage | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/11748323) |
| September 2, 2024 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/9993730) |
| February 8, 2024 | Mortgage | Trouble during payment process | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/8309507) |

## Also on SpecStream

- [Every company with Mortgage complaints](https://specstream.ai/data/consumer-complaints/product/mortgage)
- [Every company with Credit reporting or other personal consumer reports complaints](https://specstream.ai/data/consumer-complaints/product/credit-reporting-or-other-personal-consumer-reports)
- [Every company with Debt collection complaints](https://specstream.ai/data/consumer-complaints/product/debt-collection)
- [Consumer complaints in Texas](https://specstream.ai/data/consumer-complaints/state/texas)
- [Consumer complaints in Arizona](https://specstream.ai/data/consumer-complaints/state/arizona)
- [Consumer complaints in Montana](https://specstream.ai/data/consumer-complaints/state/montana)
- [All consumer complaints](https://specstream.ai/data/consumer-complaints)

Source: [CFPB Consumer Complaint Database](https://www.consumerfinance.gov/data-research/consumer-complaints/). Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB.

Free to reuse with credit to SpecStream under [CC BY 4.0](https://creativecommons.org/licenses/by/4.0/).