Who is complaining aboutCottonwood Financial Ltd.?
When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.
The CFPB does not verify every allegation in a complaint before publishing it.Consumer Financial Protection Bureau, Consumer Complaint Database. A complaint is a consumer's account of a problem; it is not a finding against the company.
Complaints, last 12 months
0
0 in the 12 months before · 450 since 2014
For its size
No public size denominator
This company could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, so its count cannot be scaled here. Read the count with the company's customer base in mind.
The CFPB complaint database holds 450 complaints about Cottonwood Financial Ltd., received between 29 Apr 2014 and 15 Jul 2024. None arrived in the 12 months to 30 Sep 2026.
Cottonwood Financial Ltd. could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, so its complaint count cannot be set against its size here. A company with more customers can be expected to receive more complaints than one with fewer.
56.2% of the complaints on file fall under the CFPB product category “Debt collection”, followed by “Payday loan, title loan, or personal loan” at 17.3%. The issue selected most often was “Communication tactics” (13.6%).
How the company's responses were recorded across all years: 98% closed with an explanation, 1.3% closed with non-monetary relief, 0.4% closed with monetary relief. 99.1% of responses were marked timely; the median among the 458 companies whose complaints mainly concern “Debt collection” is 100%.
A complaint is a consumer's account and is not a finding against the company. The CFPB does not verify every allegation in a complaint before publishing it.
Windows end on 30 Sep 2026, the last date in the CFPB file. The latest two to three weeks are incomplete because a complaint is published only after the company responds or 15 days pass.
Compared with peer companies
| Measure | Cottonwood Financial Ltd. | Peer median (458 companies) | All complaints nationally |
|---|---|---|---|
| Responses marked timely | 99.1% | 100% | 99.6% |
| Closed with monetary or non-monetary relief | 1.8% | 0% | 31.6% |
Peers are the 458 companies on this site whose largest complaint category is Debt collection and that received at least 20 complaints in the last 12 months. Peer companies differ widely in size; a per-size row appears only when at least five peers share this company's size measure, and its median is taken over those peers alone. Response shares for this company cover all years because it received fewer than 20 complaints in the last 12 months.
Complaints by month
No complaints about this company were received in the last 24 months; the latest on file is dated 15 Jul 2024.
What the complaints are about
Products and issues are the categories the consumer selects on the CFPB form, shown with the CFPB's wording, since 2011.
- Debt collection253 · 56.2%
- Payday loan, title loan, or personal loan78 · 17.3%
- Payday loan65 · 14.4%
- Consumer Loan20 · 4.4%
- Credit reporting, credit repair services, or other personal consumer reports18 · 4%
- All other categories16 · 3.6%
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Communication tactics | 61 | 13.6% |
| Took or threatened to take negative or legal action | 50 | 11.1% |
| Attempts to collect debt not owed | 37 | 8.2% |
| Struggling to pay your loan | 29 | 6.4% |
| Charged fees or interest I didn't expect | 26 | 5.8% |
| Improper contact or sharing of info | 21 | 4.7% |
| Taking/threatening an illegal action | 21 | 4.7% |
| False statements or representation | 20 | 4.4% |
| Written notification about debt | 19 | 4.2% |
| Can't contact lender | 17 | 3.8% |
| Other CFPB issue categories | 149 | 33.1% |
Debt collection
253 complaints since 2011 (56.2% of this company's total). That is under 0.1% of all complaints in the category nationally.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Communication tactics | 61 | 24.1% |
| Took or threatened to take negative or legal action | 50 | 19.8% |
| Attempts to collect debt not owed | 37 | 14.6% |
| Improper contact or sharing of info | 21 | 8.3% |
| Taking/threatening an illegal action | 21 | 8.3% |
| Other CFPB issue categories | 63 | 24.9% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Payday loan debt | 123 | 48.6% |
| Payday loan | 82 | 32.4% |
| I do not know | 26 | 10.3% |
| Other debt | 13 | 5.1% |
| Other (i.e. phone, health club, etc.) | 5 | 2% |
| Other or no sub-product recorded | 4 | 1.6% |
Payday loan, title loan, or personal loan
78 complaints since 2011 (17.3% of this company's total). That is 0.3% of all complaints in the category nationally.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Struggling to pay your loan | 26 | 33.3% |
| Charged fees or interest you didn't expect | 15 | 19.2% |
| Problem with the payoff process at the end of the loan | 9 | 11.5% |
| Money was taken from your bank account on the wrong day or for the wrong amount | 6 | 7.7% |
| Problem when making payments | 5 | 6.4% |
| Other CFPB issue categories | 17 | 21.8% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Payday loan | 55 | 70.5% |
| Installment loan | 18 | 23.1% |
| Title loan | 4 | 5.1% |
| Personal line of credit | 1 | 1.3% |
Payday loan
65 complaints since 2011 (14.4% of this company's total). That is 1.2% of all complaints in the category nationally.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Charged fees or interest I didn't expect | 25 | 38.5% |
| Can't contact lender | 16 | 24.6% |
| Payment to acct not credited | 9 | 13.8% |
| Can't stop charges to bank account | 7 | 10.8% |
| Charged bank acct wrong day or amt | 5 | 7.7% |
| Other CFPB issue categories | 3 | 4.6% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Other or no sub-product recorded | 65 | 100% |
Consumer Loan
20 complaints since 2011 (4.4% of this company's total). That is 0.1% of all complaints in the category nationally.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Problems when you are unable to pay | 11 | 55% |
| Managing the loan or lease | 4 | 20% |
| Payment to acct not credited | 1 | 5% |
| Charged fees or interest I didn't expect | 1 | 5% |
| Lender repossessed or sold the vehicle | 1 | 5% |
| Other CFPB issue categories | 2 | 10% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Installment loan | 15 | 75% |
| Title loan | 4 | 20% |
| Vehicle loan | 1 | 5% |
How the company responded
The CFPB records one closing category for each complaint, chosen by the company. Shares are of all complaints since 2011.
- Closed with explanation441 · 98%
- Closed with non-monetary relief6 · 1.3%
- Closed with monetary relief2 · 0.4%
- Closed1 · 0.2%
The current CFPB export carries no consumer-disputed field, so no disputed rate is shown. The CFPB stopped collecting that field in April 2017.
The company's optional public response
Companies may choose one public response category from a CFPB list. These are the company's own selections.
| Company public response (CFPB category) | Complaints | Share |
|---|---|---|
| No public response category recorded | 280 | 62.2% |
| Company has responded to the consumer and the CFPB and chooses not to provide a public response | 102 | 22.7% |
| Company chooses not to provide a public response | 68 | 15.1% |
Where the complaints come from
| State (as reported by the consumer) | Complaints | Share |
|---|---|---|
| Texas | 262 | 58.2% |
| Illinois | 41 | 9.1% |
| Wisconsin | 34 | 7.6% |
| New Mexico | 19 | 4.2% |
| Idaho | 9 | 2% |
| Michigan | 8 | 1.8% |
| Utah | 8 | 1.8% |
| Minnesota | 7 | 1.6% |
| Washington | 6 | 1.3% |
| Florida | 5 | 1.1% |
| Louisiana | 4 | 0.9% |
| Georgia | 3 | 0.7% |
Top 12 of 34 states with at least one complaint since 2011. State counts follow population and where the company does business.
Other companies in the same category
Companies whose complaints mainly concern Debt collection, nearest in complaint volume. Listed for navigation, in no order of merit.
Questions and answers
How many complaints has the CFPB received about Cottonwood Financial Ltd.?
0 in the 12 months to 30 Sep 2026 (0 in the 12 months before that) and 450 since 2014. 0 arrived in the last 30 days and 0 in the last 90 days; the most recent weeks are incomplete because a complaint is published only once the company responds or after 15 days.
How does that compare for its size?
Cottonwood Financial Ltd. could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, so its complaint count cannot be set against its size here. A company with more customers can be expected to receive more complaints than one with fewer. The CFPB's own caution: “When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.”
What are people complaining about?
56.2% of complaints on file are filed under “Debt collection”. The issues selected most often were “Communication tactics” (13.6%), “Took or threatened to take negative or legal action” (11.1%), “Attempts to collect debt not owed” (8.2%). These are the categories the consumer picks on the CFPB form; the text of complaints is not used on this site.
How does Cottonwood Financial Ltd. respond to complaints?
98% were closed with an explanation, 1.3% with non-monetary relief and 0.4% with monetary relief; 99.1% of responses were timely (peer median 100%).
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it. The Bureau publishes a complaint after the company responds, confirming a commercial relationship with the consumer, or after 15 days, whichever comes first. A complaint on file is not a finding that the company did anything wrong.
Where do these figures come from?
From the CFPB Consumer Complaint Database bulk file, counted through 30 Sep 2026, using only the coded fields (company, product, issue, state, dates, company response). Company size comes from FDIC, NCUA or HMDA public files where the company appears in one. Company names are shown as the CFPB publishes them.
Provenance
Source: Consumer Financial Protection Bureau, Consumer Complaint Database, bulk file downloaded 30 Sep 2026, complaints received through 30 Sep 2026. Only coded fields are used (company, product, sub-product, issue, state, dates, company response, timeliness); complaint narratives are never read, stored or shown. Complaints are published once the company responds or after 15 days, so the most recent two to three weeks are incomplete. The company name is shown as the CFPB publishes it. No size measure: the company could not be matched by name to a single institution in the FDIC, NCUA or HMDA files. Companies can respond to the CFPB about any complaint; errors in this site's processing are fixed at the next daily build. Size measures: FDIC BankFind (report date 30 Jun 2026), NCUA call reports (30 Jun 2026), HMDA transmittal sheet (2025), Census Bureau population estimates (2025). All are US government works. See this company's complaints at the CFPB · Methodology · Report an error.