CFPB · Single-product concentration
SMS Financial, LLC
10 CFPB complaints · 100% in "Debt collection" · top issue Took or threatened to take negative or legal action.
SMS Financial, LLC: 100% of 10 CFPB complaints sit in "Debt collection". Timely 100% · relief 0%. Allegations, not findings.
- Single-product concentration
- +100% filings 2021 to 2026
CFPB relief outcome brief
CCDB company sms-financial-llc
0% relief · 100% timely · 10 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
SMS 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
SMS Financial, LLC scores strongest on timely response (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
100 / 100 percentile-benchmarked
100% 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 SMS Financial, LLC's 10 filings include narrative text
60% 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.
SMS Financial, LLC complaint mix by product
- Debt collection 10 100.0% – 0% relief
How SMS Financial, LLC's 10 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 10 |
Where SMS Financial, LLC complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- FL
- 30% of this company's filings
SMS Financial, LLC rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 2
- +100% vs 2021
Top States
| State | Complaints |
|---|---|
| FL | 3 |
| NC | 2 |
| WA | 2 |
| WI | 1 |
| OK | 1 |
| NJ | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Took or threatened to take negative or legal action | 5 |
| False statements or representation | 4 |
| Threatened to contact someone or share information improperly | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2021 | 1 | 100% |
| 2022 | 3 | 100% |
| 2023 | 1 | 100% |
| 2025 | 3 | 100% |
| 2026 | 2 | 100% |
Source: CFPB Consumer Complaint Database
SMS Financial, LLC filings cluster in one product
SMS Financial, LLC's 10 logged complaints stay concentrated: only 6 states show a filing. 60% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2021 through 2026-02-07.
SMS Financial, LLC answers 100% 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. "Debt collection" draws the most filings, most often for "Took or threatened to take negative or legal action."
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 SMS Financial, LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for SMS 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: 10.
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 SMS Financial, LLC (100% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration