CFPB · Mid-pack CFPB posture
SFS, Inc
65 CFPB complaints · 27 states · top issue Communication tactics.
SFS, Inc has 65 consumer complaints in the CFPB public database. Timely response is 96.9%; 40% closed with relief; top product Debt collection. Allegations, not regulatory findings.
- Mid-pack CFPB posture
- +800% filings 2013 to 2019
CFPB relief outcome brief
CCDB company sfs-inc
40% relief · 96.9% timely · 65 filings · Debt collection
Same-product relief peers
Nearest relief peer: W&A Intermediate Co., LLC (39.6% relief)
SFS, Inc closes 40% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
How 65 complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
SFS, Inc complaint mix by product
- Debt collection 32 49.2% – 41% relief
- Payday loan 24 36.9% – 42% relief
- Payday loan, 8 12.3% – 25% relief
- Consumer Loan 1 1.5% – 100% relief
How SFS, Inc's 65 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 32 |
| Payday loan | 24 |
| Payday loan, title loan, or personal loan | 8 |
| Consumer Loan | 1 |
Where SFS, Inc complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- NC
- 9.2% of this company's filings
SFS, Inc rising annual filings
Annual filing volume from the CFPB public database
- 2019
- 9
- +800% vs 2013
Top States
| State | Complaints |
|---|---|
| NC | 6 |
| IL | 5 |
| PA | 5 |
| NY | 4 |
| NJ | 4 |
| CA | 4 |
| TX | 4 |
| TN | 3 |
| MN | 3 |
| SC | 3 |
| CO | 3 |
| NH | 2 |
| FL | 2 |
| MI | 2 |
| MD | 2 |
| OK | 2 |
| MA | 1 |
| UT | 1 |
| NM | 1 |
| DE | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Communication tactics | 18 |
| Charged fees or interest I didn't expect | 12 |
| Charged fees or interest you didn't expect | 7 |
| Payment to acct not credited | 5 |
| Can't contact lender | 5 |
| Improper contact or sharing of info | 5 |
| Cont'd attempts collect debt not owed | 3 |
| Taking/threatening an illegal action | 2 |
| Received a loan I didn't apply for | 1 |
| False statements or representation | 1 |
| Can't stop charges to bank account | 1 |
| Disclosure verification of debt | 1 |
| Managing the loan or lease | 1 |
| Attempts to collect debt not owed | 1 |
| Problem when making payments | 1 |
| Took or threatened to take negative or legal action | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 1 | 100% |
| 2014 | 22 | 95.5% |
| 2015 | 11 | 90.9% |
| 2016 | 15 | 100% |
| 2017 | 3 | 100% |
| 2018 | 4 | 100% |
| 2019 | 9 | 100% |
Source: CFPB Consumer Complaint Database
What the CFPB record shows about SFS, Inc
SFS, Inc's 65 logged complaints stay concentrated: only 27 states show a filing. Only 26.2% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2013 through 2019-10-16.
SFS, Inc answers 96.9% of complaints inside the CFPB's tracked window and closes 58.5% with a written explanation. 40% 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 SFS, Inc.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for SFS, Inc: 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: 65.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 96.9%.
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 SFS, Inc (96.9% timely; 40% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Mid-pack CFPB posture