CFPB · Narrative-heavy record
Cottonwood Financial Ltd.
450 CFPB complaints · 54.4% with narratives · top issue Communication tactics.
Cottonwood Financial Ltd.: 54.4% of 450 filings include consumer narratives. Timely 99.1% · relief 1.8% · top product Debt collection. Allegations, not findings.
- Narrative-heavy record
- -65.2% filings 2014 to 2024
CFPB relief outcome brief
CCDB company cottonwood-financial-ltd
1.8% relief · 99.1% timely · 450 filings · Debt collection
Same-product relief peers
Nearest relief peer: Consumer Adjustment Company Incorporated (1.8% relief)
Cottonwood Financial Ltd. closes 1.8% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Cottonwood Financial Ltd.'s 450 filings include narrative text
54.4% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Cottonwood Financial Ltd. complaint mix by product
- Debt collection 253 56.6% – 1% relief
- Payday loan, 78 17.4% – 4% relief
- Payday loan 65 14.5% – 3% relief
- Consumer Loan 20 4.5% – 5% relief
- Credit reporting, 18 4.0% – 0% relief
- Payday loan, 11 2.5% – 0% relief
- Credit reporting 2 0.4% – 0% relief
How Cottonwood Financial Ltd.'s 450 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 253 |
| Payday loan, title loan, or personal loan | 78 |
| Payday loan | 65 |
| Consumer Loan | 20 |
| Credit reporting, credit repair services, or other personal consumer reports | 18 |
| Payday loan, title loan, personal loan, or advance loan | 11 |
| Credit reporting or other personal consumer reports | 2 |
| Prepaid card | 1 |
| Checking or savings account | 1 |
| Money transfer, virtual currency, or money service | 1 |
Concentrated filing states for Cottonwood Financial Ltd.
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 58.2% of this company's filings
Cottonwood Financial Ltd. falling annual filings
Annual filing volume from the CFPB public database
- 2024
- 16
- -65.2% vs 2014
Top States
| State | Complaints |
|---|---|
| TX | 262 |
| IL | 41 |
| WI | 34 |
| NM | 19 |
| ID | 9 |
| MI | 8 |
| UT | 8 |
| MN | 7 |
| WA | 6 |
| FL | 5 |
| LA | 4 |
| GA | 3 |
| AR | 3 |
| AZ | 3 |
| MD | 3 |
| OH | 3 |
| NJ | 2 |
| OK | 2 |
| IN | 2 |
| NC | 2 |
Top Issues
| Issue | Complaints |
|---|---|
| Communication tactics | 61 |
| Took or threatened to take negative or legal action | 50 |
| Attempts to collect debt not owed | 37 |
| Struggling to pay your loan | 29 |
| Charged fees or interest I didn't expect | 26 |
| Improper contact or sharing of info | 21 |
| Taking/threatening an illegal action | 21 |
| False statements or representation | 20 |
| Written notification about debt | 19 |
| Can't contact lender | 17 |
| Charged fees or interest you didn't expect | 16 |
| Incorrect information on your report | 14 |
| Cont'd attempts collect debt not owed | 12 |
| Problems when you are unable to pay | 11 |
| Problem with the payoff process at the end of the loan | 10 |
| Payment to acct not credited | 10 |
| Threatened to contact someone or share information improperly | 10 |
| Can't stop charges to bank account | 7 |
| Problem when making payments | 6 |
| Money was taken from your bank account on the wrong day or for the wrong amount | 6 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 46 | 100% |
| 2015 | 71 | 100% |
| 2016 | 47 | 100% |
| 2017 | 46 | 100% |
| 2018 | 41 | 100% |
| 2019 | 34 | 97.1% |
| 2020 | 47 | 95.7% |
| 2021 | 34 | 97.1% |
| 2022 | 27 | 100% |
| 2023 | 41 | 100% |
| 2024 | 16 | 100% |
Source: CFPB Consumer Complaint Database
Cottonwood Financial Ltd.'s narrative-rich complaint ledger
Cottonwood Financial Ltd.'s 450 logged complaints stay concentrated: only 34 states show a filing. 54.4% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2014 through 2024-07-15.
Cottonwood Financial Ltd. answers 99.1% of complaints inside the CFPB's tracked window and closes 98% with a written explanation. 1.8% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Communication tactics."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Cottonwood Financial Ltd..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Cottonwood Financial Ltd.: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 450.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.1%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Cottonwood Financial Ltd. (99.1% timely; 1.8% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record