CFPB · Faster timely-response band
FC HoldCo LLC
3.6K CFPB complaints · 99.9% timely (fast band) · top issue Improper use of your report.
FC HoldCo LLC answers 99.9% on time (upper third) across 3.6K filings. Relief 0.2% · top product Credit reporting or other personal consumer reports. Allegations, not findings.
- Faster timely-response band
- +2071.4% filings 2014 to 2026
CFPB relief outcome brief
CCDB company fc-holdco-llc
0.2% relief · 99.9% timely · 3.6K filings · Credit reporting or other personal consumer reports
Same-product relief peers
Nearest relief peer: FactorTrust, Inc. (0.2% relief)
FC HoldCo LLC closes 0.2% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
FC HoldCo LLC scores strongest on timely response (100/100 percentile-benchmarked) and weakest on relief provided (1/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
1 / 100 percentile-benchmarked
0.2% of complaints closed with relief to the consumer
Timely response
100 / 100 percentile-benchmarked
99.9% of complaints answered inside the CFPB 15-day window
Closed with explanation
99 / 100 percentile-benchmarked
99.4% of complaints closed with an explanation to the consumer
Most of FC HoldCo LLC's 3.6K filings include narrative text
45.7% 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.
FC HoldCo LLC complaint mix by product
- Credit reporting 1K 34.9% – 0% relief
- Vehicle loan 978 27.2% – 0% relief
- Credit reporting, 750 20.9% – 0% relief
- Debt collection 506 14.1% – 0% relief
- Consumer Loan 84 2.3% – 6% relief
- Payday loan, 14 0.4% – 0% relief
- Credit card 7 0.2% – 0% relief
How FC HoldCo LLC's 3.6K complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Credit reporting or other personal consumer reports | 1.3K |
| Vehicle loan or lease | 978 |
| Credit reporting, credit repair services, or other personal consumer reports | 750 |
| Debt collection | 506 |
| Consumer Loan | 84 |
| Payday loan, title loan, or personal loan | 14 |
| Credit card | 7 |
| Credit card or prepaid card | 6 |
| Credit reporting | 5 |
| Payday loan, title loan, personal loan, or advance loan | 3 |
| Debt or credit management | 2 |
| Mortgage | 1 |
| Money transfer, virtual currency, or money service | 1 |
Nationwide filing states for FC HoldCo LLC
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 15.5% of this company's filings
FC HoldCo LLC rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 304
- +2071.4% vs 2014
Volume vs. relief
Where FC HoldCo LLC sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, FC HoldCo LLC files more complaint volume than 57% of them, and closes complaints with relief more often than 23% of them, placing it in the quadrant for high volume, below-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 3,611 · Closed with relief: 0.2%
Top States
| State | Complaints |
|---|---|
| TX | 559 |
| FL | 452 |
| GA | 324 |
| CA | 287 |
| IL | 188 |
| AZ | 158 |
| NC | 148 |
| PA | 129 |
| MD | 124 |
| AL | 109 |
| VA | 93 |
| OH | 91 |
| NY | 88 |
| LA | 87 |
| TN | 72 |
| SC | 66 |
| NJ | 66 |
| NV | 64 |
| MI | 64 |
| MO | 60 |
Top Issues
| Issue | Complaints |
|---|---|
| Improper use of your report | 1.1K |
| Incorrect information on your report | 801 |
| Managing the loan or lease | 346 |
| Problem with a company's investigation into an existing problem | 184 |
| Attempts to collect debt not owed | 170 |
| Repossession | 159 |
| Struggling to pay your loan | 148 |
| Problem with a credit reporting company's investigation into an existing problem | 115 |
| Problems at the end of the loan or lease | 100 |
| Took or threatened to take negative or legal action | 99 |
| Getting a loan or lease | 88 |
| False statements or representation | 83 |
| Written notification about debt | 79 |
| Communication tactics | 55 |
| Problems when you are unable to pay | 23 |
| Credit monitoring or identity theft protection services | 21 |
| Unable to get your credit report or credit score | 13 |
| Problem with fraud alerts or security freezes | 10 |
| Shopping for a loan or lease | 9 |
| Taking out the loan or lease | 8 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 14 | 100% |
| 2015 | 23 | 100% |
| 2016 | 45 | 100% |
| 2017 | 123 | 100% |
| 2018 | 126 | 99.2% |
| 2019 | 158 | 100% |
| 2020 | 185 | 100% |
| 2021 | 259 | 100% |
| 2022 | 284 | 99.3% |
| 2023 | 480 | 100% |
| 2024 | 724 | 100% |
| 2025 | 886 | 100% |
| 2026 | 304 | 99.7% |
Source: CFPB Consumer Complaint Database
FC HoldCo LLC in the faster-timely third
FC HoldCo LLC's 3,611 logged complaints reach a nationwide footprint - 51 states have at least one filing. 45.7% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2014 through 2026-06-26. Timely response 99.9% sits in the upper third of the corpus.
FC HoldCo LLC answers 99.9% of complaints inside the CFPB's tracked window (timely band: fast) and closes 0.2% with relief; 99.4% close with a written explanation. Consumers disputed 0% of responses after the company replied. Top product "Credit reporting or other personal consumer reports" · top issue "Improper use of your report."
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 FC HoldCo LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for FC HoldCo 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: 3.6K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.9%.
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 FC HoldCo LLC (#148 of 342; 99.9% timely; 0.2% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Faster timely-response band