CFPB · Narrative-heavy record
HFS Financial LLC
16 CFPB complaints · 75% with narratives · top issue Getting the loan.
HFS Financial LLC: 75% of 16 filings include consumer narratives. Timely 93.8% · relief 0% · top product Payday loan, title loan, or personal loan. Allegations, not findings.
- Narrative-heavy record
- +200% filings 2017 to 2026
CFPB relief outcome brief
CCDB company hfs-financial-llc
0% relief · 93.8% timely · 16 filings · Payday loan, title loan, or personal loan
Same-product relief peers
Nearest relief peer: Kashia Services (0% relief)
HFS Financial LLC closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
HFS Financial LLC scores strongest on closed with explanation (100/100 percentile-benchmarked) and weakest on relief provided (0/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
0 / 100 percentile-benchmarked
0% of complaints closed with relief to the consumer
Timely response
89 / 100 percentile-benchmarked
93.8% of complaints answered inside the CFPB 15-day window
Closed with explanation
100 / 100 percentile-benchmarked
100% of complaints closed with an explanation to the consumer
Most of HFS Financial LLC's 16 filings include narrative text
75% 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.
HFS Financial LLC complaint mix by product
- Payday loan, 9 56.3% – 0% relief
- Payday loan, 6 37.5% – 0% relief
- Debt collection 1 6.3% – 0% relief
How HFS Financial LLC's 16 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Payday loan, title loan, or personal loan | 9 |
| Payday loan, title loan, personal loan, or advance loan | 6 |
| Debt collection | 1 |
Where HFS Financial LLC complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 25% of this company's filings
HFS Financial LLC rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 3
- +200% vs 2017
Top States
| State | Complaints |
|---|---|
| TX | 4 |
| CA | 3 |
| SC | 2 |
| MD | 2 |
| GA | 1 |
| NY | 1 |
| NJ | 1 |
| NC | 1 |
| FL | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Getting the loan | 11 |
| Charged fees or interest you didn't expect | 3 |
| Struggling to pay your loan | 1 |
| Threatened to contact someone or share information improperly | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2017 | 1 | 0% |
| 2020 | 1 | 100% |
| 2022 | 3 | 100% |
| 2023 | 4 | 100% |
| 2025 | 4 | 100% |
| 2026 | 3 | 100% |
Source: CFPB Consumer Complaint Database
HFS Financial LLC's narrative-rich complaint ledger
HFS Financial LLC's 16 logged complaints stay concentrated: only 9 states show a filing. 75% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2017 through 2026-03-31.
HFS Financial LLC answers 93.8% of complaints inside the CFPB's tracked window and closes 100% with a written explanation. 0% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Payday loan, title loan, or personal loan" draws the most filings, most often for "Getting the loan."
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 HFS Financial LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for HFS Financial LLC: 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: 16.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 93.8%.
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 HFS Financial LLC (93.8% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record