CFPB · Narrative-heavy record
USA Service Finance LLC
21 CFPB complaints · 52.4% with narratives · top issue Written notification about debt.
USA Service Finance LLC: 52.4% of 21 filings include consumer narratives. Timely 95.2% · relief 4.8% · top product Credit reporting, credit repair services, or other personal consumer reports. Allegations, not findings.
- Narrative-heavy record
- +400% filings 2016 to 2023
CFPB relief outcome brief
CCDB company usa-service-finance-llc
4.8% relief · 95.2% timely · 21 filings · Credit reporting, credit repair services, or other personal consumer reports
Same-product relief peers
Nearest relief peer: Garcadia Financial LLC (4.6% relief)
USA Service Finance LLC closes 4.8% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of USA Service Finance LLC's 21 filings include narrative text
52.4% 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.
USA Service Finance LLC complaint mix by product
- Credit reporting, 9 42.9% – 0% relief
- Debt collection 8 38.1% – 13% relief
- Payday loan, 3 14.3% – 0% relief
- Consumer Loan 1 4.8% – 0% relief
How USA Service Finance LLC's 21 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Credit reporting, credit repair services, or other personal consumer reports | 9 |
| Debt collection | 8 |
| Payday loan, title loan, or personal loan | 3 |
| Consumer Loan | 1 |
Where USA Service Finance LLC complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- FL
- 14.3% of this company's filings
USA Service Finance LLC rising annual filings
Annual filing volume from the CFPB public database
- 2023
- 5
- +400% vs 2016
Top States
| State | Complaints |
|---|---|
| FL | 3 |
| CA | 3 |
| OH | 2 |
| KY | 2 |
| NC | 2 |
| TX | 2 |
| VA | 2 |
| GA | 1 |
| TN | 1 |
| AK | 1 |
| HI | 1 |
| AE | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Written notification about debt | 5 |
| Problem with a credit reporting company's investigation into an existing problem | 5 |
| Incorrect information on your report | 3 |
| False statements or representation | 2 |
| Charged fees or interest you didn't expect | 2 |
| Taking out the loan or lease | 1 |
| Took or threatened to take negative or legal action | 1 |
| Improper use of your report | 1 |
| Problem with the payoff process at the end of the loan | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2016 | 1 | 100% |
| 2017 | 1 | 100% |
| 2018 | 2 | 50% |
| 2019 | 1 | 100% |
| 2020 | 1 | 100% |
| 2021 | 2 | 100% |
| 2022 | 8 | 100% |
| 2023 | 5 | 100% |
Source: CFPB Consumer Complaint Database
USA Service Finance LLC's narrative-rich complaint ledger
USA Service Finance LLC's 21 logged complaints stay concentrated: only 12 states show a filing. 52.4% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2016 through 2023-09-20.
USA Service Finance LLC answers 95.2% of complaints inside the CFPB's tracked window and closes 95.2% with a written explanation. 4.8% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Credit reporting, credit repair services, or other personal consumer reports" draws the most filings, most often for "Written notification about debt."
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 USA Service Finance LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for USA Service Finance 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: 21.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 95.2%.
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 USA Service Finance LLC (95.2% timely; 4.8% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record