Debt collector · complaint record
Cottonwood Financial complaints
Filed under Cottonwood Financial Ltd.
Consumers have filed 450 complaints about Cottonwood Financial since 2014, none in the last 12 months. It answered 99.1% on time and closed 2% with relief for the customer. The most common problem is communication tactics.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 450
- Last 12 months
- 0
- Answered on time
- 99.1%
- Closed with relief
- 2%
- Last 30 days
- 0
- Rank
- -
Since April 2014
new vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Jul 15, 2024
Cottonwood Financial complaints by month
The busiest month was June 2015 (13 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Cottonwood Financial answered all time
- Closed with monetary relief20.4%
- Closed with non-monetary relief61.3%
- Closed with explanation44198%
- Closed10.2%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Cottonwood Financial complaints are about
Top Cottonwood Financial problems
Inside "Communication tactics"
- Frequent or repeated calls 26
- You told them to stop contacting you, but they keep trying 12
- Threatened to take legal action 10
- Used obscene, profane, or other abusive language 6
- Used obscene/profane/abusive language 2
- Called outside of 8am-9pm 2
Where Cottonwood Financial complaints come from
Most complaints: Texas (262), Illinois (41), Wisconsin (34), New Mexico (19), Idaho (9).
Cottonwood Financial compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Green SquareDebt collection | 10 | 25 | F |
| 2 | EMoneyUSADebt collection | 53 | 25 | C |
| 3 | Mullooly Jeffrey Rooney & FlynnDebt collection | 56 | 25 | C |
| 4 | Credit World ServicesDebt collection | 47 | 25 | D |
| 5 | Keynote ConsultingDebt collection | 10 | 25 | F |
| 6 | Augusta Collection AgencyDebt collection | 10 | 25 | F |
| 7 | Advance Bureau of CollectionsDebt collection | 19 | 25 | F |
| 8 | Cottonwood FinancialDebt collection | - | 0 | - |
Compare side by side: Cottonwood Financial vs Green Square · Cottonwood Financial vs EMoneyUSA · Cottonwood Financial vs Mullooly Jeffrey Rooney & Flynn · Cottonwood Financial vs Credit World Services
What people say about Cottonwood Financial
All experiencesNo experiences with Cottonwood Financial yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Cottonwood Financial complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Jul 15, 2024 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jul 6, 2024 | Debt collection | Took or threatened to take negative or legal actionThreatened to arrest you or take you to jail if you do not pay | Explained |
| Jul 4, 2024 | Payday & personal loans | Struggling to pay your loan | Explained |
| Jun 20, 2024 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| May 16, 2024 | Payday & personal loans | Can't contact lender or servicer | Explained |
| Apr 26, 2024 | Payday & personal loans | Incorrect information on your reportOld information reappears or never goes away | Explained |
| Apr 24, 2024 | Payday & personal loans | Loan payment wasn't credited to your account | Explained |
| Apr 23, 2024 | Payday & personal loans | Struggling to pay your loan | Explained |
| Apr 22, 2024 | Payday & personal loans | Received a loan you didn't apply for | Explained |
| Apr 4, 2024 | Payday & personal loans | Charged fees or interest you didn't expect | Explained |
| Feb 27, 2024 | Debt collection | False statements or representationImpersonated attorney, law enforcement, or government official | Explained |
| Feb 21, 2024 | Payday & personal loans | Struggling to pay your loan | Explained |
Questions about Cottonwood Financial
How many complaints does Cottonwood Financial have?
Cottonwood Financial has 450 complaints on record since April 2014, including 0 in the last 12 months and 0 in the last 30 days.
Does Cottonwood Financial respond to complaints?
Yes. Cottonwood Financial answered 99.1% of its complaints on time (within 15 days) and closed 2% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with Cottonwood Financial?
The most common problems are communication tactics (61), took or threatened to take negative or legal action (50), attempts to collect debt not owed (37).
Is Cottonwood Financial legit?
Cottonwood Financial is a real company with a public complaint record: consumers have complained about it 450 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Cottonwood Financial legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Cottonwood Financial?
Complain to Cottonwood Financial in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Cottonwood Financial complaints come from?
Most come from Texas (262), Illinois (41), Wisconsin (34). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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