# Finmax Smart Capital LLC: 18 CFPB complaints, last 3 years

Updated November 10, 2026.

Finmax Smart Capital LLC drew 18 consumer complaints in the CFPB database in the three years to November 9, 2026, and 26 since 2021. The largest group, 18, was about debt collection, and the most common issue was “Communication tactics” with 10. The company responded on time to 94.4% of the complaints, and 22.2% 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: 18
- Complaints, all years: 26
- Responded on time: 94.4%
- Closed with relief: 22.2%
- Products: 1
- Latest received: Dec 11, 2025

## Complaints by year

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

| Year | Complaints |
| --- | --- |
| 2025 | 11 |
| 2024 | 5 |
| 2023 | 4 |
| 2022 | 4 |
| 2021 | 2 |

## 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 |
| --- | --- | --- |
| [Debt collection](https://specstream.ai/data/consumer-complaints/product/debt-collection) | 18 | 100% |

## Issues

| Issue | Complaints | Share |
| --- | --- | --- |
| Communication tactics | 10 | 55.6% |
| Attempts to collect debt not owed | 2 | 11.1% |
| Threatened to contact someone or share information improperly | 2 | 11.1% |
| Took or threatened to take negative or legal action | 2 | 11.1% |
| False statements or representation | 1 | 5.6% |
| Written notification about debt | 1 | 5.6% |

## How the company responded

| Company response | Complaints | Share |
| --- | --- | --- |
| Closed with explanation | 14 | 77.8% |
| Closed with non-monetary relief | 4 | 22.2% |

## States

| State | Complaints | Share |
| --- | --- | --- |
| [Arizona](https://specstream.ai/data/consumer-complaints/state/arizona) | 3 | 16.7% |
| [Texas](https://specstream.ai/data/consumer-complaints/state/texas) | 3 | 16.7% |
| [Alabama](https://specstream.ai/data/consumer-complaints/state/alabama) | 2 | 11.1% |
| [Pennsylvania](https://specstream.ai/data/consumer-complaints/state/pennsylvania) | 2 | 11.1% |
| [Arkansas](https://specstream.ai/data/consumer-complaints/state/arkansas) | 1 | 5.6% |
| [Georgia](https://specstream.ai/data/consumer-complaints/state/georgia) | 1 | 5.6% |
| [Kansas](https://specstream.ai/data/consumer-complaints/state/kansas) | 1 | 5.6% |
| [Minnesota](https://specstream.ai/data/consumer-complaints/state/minnesota) | 1 | 5.6% |
| [Missouri](https://specstream.ai/data/consumer-complaints/state/missouri) | 1 | 5.6% |
| [Nebraska](https://specstream.ai/data/consumer-complaints/state/nebraska) | 1 | 5.6% |
| [Ohio](https://specstream.ai/data/consumer-complaints/state/ohio) | 1 | 5.6% |
| [Tennessee](https://specstream.ai/data/consumer-complaints/state/tennessee) | 1 | 5.6% |

## Latest 18 complaints

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

| Received | Product | Issue | Company response | Source |
| --- | --- | --- | --- | --- |
| December 11, 2025 | Debt collection | Communication tactics | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/17965297) |
| November 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/17873517) |
| October 27, 2025 | Debt collection | Threatened to contact someone or share information improperly | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/16856489) |
| September 4, 2025 | Debt collection | Communication tactics | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/15687386) |
| August 21, 2025 | Debt collection | Communication tactics | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/15431786) |
| July 11, 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/14592920) |
| June 17, 2025 | Debt collection | Communication tactics | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/14133957) |
| June 16, 2025 | Debt collection | Communication tactics | Closed with non-monetary relief | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/14108656) |
| June 13, 2025 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/14067147) |
| May 7, 2025 | Debt collection | Threatened to contact someone or share information improperly | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/13380030) |
| February 23, 2025 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/12183481) |
| September 10, 2024 | Debt collection | Communication tactics | Closed with non-monetary relief | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/10075831) |
| August 29, 2024 | Debt collection | Written notification about debt | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/9984465) |
| June 6, 2024 | Debt collection | False statements or representation | Closed with non-monetary relief | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/9190755) |
| June 1, 2024 | Debt collection | Communication tactics | Closed with non-monetary relief | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/9147663) |
| May 22, 2024 | Debt collection | Communication tactics | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/9060000) |
| November 27, 2023 | Debt collection | Communication tactics | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/7907540) |
| November 14, 2023 | Debt collection | Communication tactics | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/7853305) |

## Also on SpecStream

- [Every company with Debt collection complaints](https://specstream.ai/data/consumer-complaints/product/debt-collection)
- [Consumer complaints in Arizona](https://specstream.ai/data/consumer-complaints/state/arizona)
- [Consumer complaints in Texas](https://specstream.ai/data/consumer-complaints/state/texas)
- [Consumer complaints in Alabama](https://specstream.ai/data/consumer-complaints/state/alabama)
- [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/).