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Data / Consumer complaints / Phoenix Financial Services LLC / Debt collection

Phoenix Financial Services LLC: 155 CFPB complaints about debt collection, last 3 years

Phoenix Financial Services LLC drew 155 consumer complaints about debt collection in the CFPB database in the three years to November 6, 2026, 91.2% of its 170 complaints in that time. The most common issue was “Attempts to collect debt not owed”. The company responded on time to 100.0% of them, and 54.8% closed with monetary or other relief.

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.

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  • 155Complaints, last 3 years
  • 91.2%Share of the company's complaints
  • 100.0%Responded on time
  • 54.8%Closed with relief
  • Mar 6, 2025Latest received

By period

The three years are cut into 12 month periods ending on the date of the latest data.

PeriodComplaintsShare
12 months to Nov 6, 202600%
12 months to Nov 6, 202585.2%
12 months to Nov 6, 202414794.8%

Issues

IssueComplaintsShare
Attempts to collect debt not owed8252.9%
Written notification about debt3220.6%
Communication tactics1912.3%
Took or threatened to take negative or legal action138.4%
False statements or representation74.5%
Electronic communications10.6%
Threatened to contact someone or share information improperly10.6%

How the company responded

Company responseComplaintsShare
Closed with non-monetary relief8454.2%
Closed with explanation7045.2%
Closed with monetary relief10.6%

States

Where the consumers who complained live, as they gave it to the CFPB.

StateComplaintsShare
California2415.5%
Texas2012.9%
Illinois117.1%
New Jersey95.8%
New York95.8%
Oklahoma95.8%
Ohio85.2%
Florida74.5%
Michigan63.9%
Arizona53.2%
Tennessee42.6%
Connecticut31.9%
Georgia31.9%
South Carolina31.9%
Virginia31.9%
Arkansas21.3%
Kansas21.3%
Kentucky21.3%
Massachusetts21.3%
Missouri21.3%
North Carolina21.3%
New Mexico21.3%
Washington21.3%
Alabama10.6%
Colorado10.6%

Latest 25 complaints

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

ReceivedProductIssueCompany responseSource
March 6, 2025Debt collectionAttempts to collect debt not owedClosed with monetary reliefconsumerfinance.gov
March 3, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
February 10, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
January 29, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
January 4, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
December 3, 2024Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
November 12, 2024Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
November 8, 2024Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 1, 2024Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
October 28, 2024Debt collectionCommunication tacticsClosed with non-monetary reliefconsumerfinance.gov
October 24, 2024Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 23, 2024Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 22, 2024Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
October 21, 2024Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 18, 2024Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 18, 2024Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
October 17, 2024Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 15, 2024Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
October 15, 2024Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 8, 2024Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 8, 2024Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 2, 2024Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 1, 2024Debt collectionFalse statements or representationClosed with non-monetary reliefconsumerfinance.gov
September 30, 2024Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
September 28, 2024Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. 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. Spot a wrong value? Write to [email protected] with the link to this page.