CFPB · Single-product concentration
Lake City Credit
41 CFPB complaints · 97.6% in "Debt collection" · top issue Attempts to collect debt not owed.
Lake City Credit: 97.6% of 41 CFPB complaints sit in "Debt collection". Timely 75.6% · relief 0%. Allegations, not findings.
- Single-product concentration
- -75% filings 2019 to 2024
CFPB relief outcome brief
CCDB company lake-city-credit
0% relief · 75.6% timely · 41 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
Lake City Credit closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Lake City Credit's 41 filings include narrative text
63.4% 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.
Lake City Credit complaint mix by product
- Debt collection 40 97.6% – 0% relief
- Checking or 1 2.4% – 0% relief
How Lake City Credit's 41 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 40 |
| Checking or savings account | 1 |
Where Lake City Credit complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 39% of this company's filings
Lake City Credit falling annual filings
Annual filing volume from the CFPB public database
- 2024
- 2
- -75% vs 2019
Top States
| State | Complaints |
|---|---|
| TX | 16 |
| NV | 3 |
| PA | 3 |
| FL | 3 |
| VA | 3 |
| OR | 2 |
| OH | 2 |
| CO | 2 |
| TN | 2 |
| CA | 1 |
| KY | 1 |
| MI | 1 |
| GA | 1 |
| NY | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 12 |
| Written notification about debt | 10 |
| Took or threatened to take negative or legal action | 7 |
| Communication tactics | 7 |
| False statements or representation | 4 |
| Managing an account | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2019 | 8 | 100% |
| 2020 | 19 | 68.4% |
| 2021 | 6 | 83.3% |
| 2022 | 3 | 100% |
| 2023 | 3 | 66.7% |
| 2024 | 2 | 0% |
Source: CFPB Consumer Complaint Database
Lake City Credit filings cluster in one product
Lake City Credit's 41 logged complaints stay concentrated: only 14 states show a filing. 63.4% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2019 through 2024-07-09.
Lake City Credit answers 75.6% of complaints inside the CFPB's tracked window and closes 100% with a written explanation. 0% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Attempts to collect debt not owed."
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 Lake City Credit.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Lake City Credit: 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: 41.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 75.6%.
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 Lake City Credit (75.6% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration