Debt collector · complaint record
Model Finance complaints
Filed under Model Finance Company
Consumers have filed 47 complaints about Model Finance since 2013, 7 of them in the last 12 months (-56% on the year before). It answered 0% on time and closed 15% with relief for the customer. The most common problem is took or threatened to take negative or legal action.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 47
- Last 12 months
- 7
- Answered on time
- 0%
- Closed with relief
- 15%
- Last 30 days
- 0
- Rank
- #837 of 1,963
Since March 2013
-56% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Jul 13, 2026
Most complained-about debt collectors
Model Finance complaints by month
The busiest month was March 2025 (4 complaints). Complaints in the last 12 months are down 56% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Model Finance answered all time
- Closed with non-monetary relief612.8%
- Closed with explanation3370.2%
- Untimely response817%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Model Finance complaints are about
Top Model Finance problems
Inside "Improper use of your report"
- Reporting company used your report improperly 7
- Credit inquiries on your report that you don't recognize 3
Where Model Finance complaints come from
Most complaints: Texas (23), California (15), Georgia (3), South Carolina (1), Arkansas (1).
Model Finance 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 | Model FinanceDebt collection | - | 7 | - |
Compare side by side: Model Finance vs Green Square · Model Finance vs EMoneyUSA · Model Finance vs Mullooly Jeffrey Rooney & Flynn · Model Finance vs Credit World Services
What people say about Model Finance
All experiencesNo experiences with Model Finance yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Model Finance complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Jul 13, 2026 | Auto loans & leases | RepossessionLoan balance remaining after the vehicle is repossessed and sold | No timely reply |
| May 11, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
| Apr 10, 2026 | Debt collection | Written notification about debtNotification didn't disclose it was an attempt to collect a debt | No timely reply |
| Feb 16, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | No timely reply |
| Dec 15, 2025 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | No timely reply |
| Dec 5, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
| Nov 25, 2025 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | No timely reply |
| Nov 5, 2025 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | No timely reply |
| Aug 20, 2025 | Auto loans & leases | RepossessionLoan balance remaining after the vehicle is repossessed and sold | Explained |
| Aug 6, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Aug 5, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Jun 23, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
Questions about Model Finance
How many complaints does Model Finance have?
Model Finance has 47 complaints on record since March 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 Model Finance respond to complaints?
Yes. Model Finance answered 0% of its complaints on time (within 15 days) and closed 15% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with Model Finance?
The most common problems are took or threatened to take negative or legal action (3), threatened to contact someone or share information improperly (3), improper use of your report (10).
Is Model Finance legit?
Model Finance is a real company with a public complaint record: consumers have complained about it 47 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Model Finance legit? for the signals, red flags and how to protect yourself.
Are complaints about Model Finance going up or down?
Down. There were 7 complaints in the last 12 months against 16 in the 12 before (-56%). See every month.
How do I file a complaint against Model Finance?
Complain to Model Finance 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 Model Finance complaints come from?
Most come from Texas (23), California (15), Georgia (3). 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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