CFPB · Mid-pack CFPB posture
Liberal Finance Service
9 CFPB complaints · 2 states · top issue Managing the loan or lease.
Liberal Finance Service has 9 consumer complaints in the CFPB public database. Timely response is 100%; 11.1% closed with relief; top product Vehicle loan or lease. Allegations, not regulatory findings.
- Mid-pack CFPB posture
- -50% filings 2017 to 2026
CFPB relief outcome brief
CCDB company liberal-finance-service
11.1% relief · 100% timely · 9 filings · Vehicle loan or lease
Same-product relief peers
Nearest relief peer: Quality Acceptance LLC (10.5% relief)
Liberal Finance Service closes 11.1% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Liberal Finance Service complaint mix by product
- Vehicle loan 6 66.7% – 17% relief
- Credit reporting, 1 11.1% – 0% relief
- Payday loan, 1 11.1% – 0% relief
- Debt collection 1 11.1% – 0% relief
How Liberal Finance Service's 9 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Vehicle loan or lease | 6 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
| Payday loan, title loan, or personal loan | 1 |
| Debt collection | 1 |
Concentrated filing states for Liberal Finance Service
Top states by attributed CFPB complaint volume for this company
- Leading state
- NJ
- 66.7% of this company's filings
Liberal Finance Service falling annual filings
Annual filing volume from the CFPB public database
- 2026
- 1
- -50% vs 2017
Top States
| State | Complaints |
|---|---|
| NJ | 6 |
| FL | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Managing the loan or lease | 3 |
| Incorrect information on your report | 1 |
| Problems at the end of the loan or lease | 1 |
| Improper use of your report | 1 |
| Charged fees or interest you didn't expect | 1 |
| Took or threatened to take negative or legal action | 1 |
| Struggling to pay your loan | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2017 | 2 | 100% |
| 2018 | 2 | 100% |
| 2019 | 2 | 100% |
| 2020 | 2 | 100% |
| 2026 | 1 | 100% |
Source: CFPB Consumer Complaint Database
What the CFPB record shows about Liberal Finance Service
Liberal Finance Service's 9 logged complaints stay concentrated: only 2 states show a filing. Only 33.3% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2017 through 2026-04-17.
Liberal Finance Service answers 100% of complaints inside the CFPB's tracked window and closes 88.9% with a written explanation. 11.1% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Vehicle loan or lease" draws the most filings, most often for "Managing the loan or lease."
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 Liberal Finance Service.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Liberal Finance Service: 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: 9.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
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 Liberal Finance Service (100% timely; 11.1% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Mid-pack CFPB posture