Debt collector · complaint record
CSO Financial complaints
Consumers have filed 66 complaints about CSO Financial since 2013, 7 of them in the last 12 months. It answered 85.7% on time and closed 0% 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
- 66
- Last 12 months
- 7
- Answered on time
- 85.7%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #837 of 1,963
Since August 2013
new vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Aug 14, 2026
Most complained-about debt collectors
CSO Financial complaints by month
The busiest month was March 2020 (3 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How CSO Financial answered all time
- Closed with non-monetary relief1015.2%
- Closed with explanation5684.8%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What CSO Financial complaints are about
Top CSO Financial problems
Inside "Attempts to collect debt not owed"
- Debt is not yours 5
- Debt was paid 5
Where CSO Financial complaints come from
Most complaints: Oregon (48), California (6), Washington (5), Texas (1), New Jersey (1).
CSO 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 | CSO FinancialDebt collection | - | 7 | - |
Compare side by side: CSO Financial vs Green Square · CSO Financial vs EMoneyUSA · CSO Financial vs Mullooly Jeffrey Rooney & Flynn · CSO Financial vs Credit World Services
What people say about CSO Financial
All experiencesNo experiences with CSO Financial yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest CSO Financial complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Aug 14, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| May 9, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Apr 6, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jan 30, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Jan 21, 2026 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | Explained |
| Jan 5, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Dec 10, 2025 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | Explained |
| Feb 28, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Feb 7, 2025 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Oct 16, 2024 | Credit reporting | Incorrect information on your reportOld information reappears or never goes away | Explained |
| Sep 30, 2024 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Sep 4, 2024 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
Questions about CSO Financial
How many complaints does CSO Financial have?
CSO Financial has 66 complaints on record since August 2013, including 7 in the last 12 months and 0 in the last 30 days. That makes it number 1,664 of every company by complaints this year.
Does CSO Financial respond to complaints?
Yes. CSO Financial answered 85.7% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only.
What do people complain about most with CSO Financial?
The most common problems are communication tactics (9), incorrect information on your report (7), false statements or representation (8).
Is CSO Financial legit?
CSO Financial is a real company with a public complaint record: consumers have complained about it 66 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is CSO Financial legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against CSO Financial?
Complain to CSO 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 CSO Financial complaints come from?
Most come from Oregon (48), California (6), Washington (5). 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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