CFPB · Single-product concentration
LCO Financial Services, LLC
108 CFPB complaints · 92.6% in "Payday loan, title loan, or personal loan" · top issue Charged fees or interest you didn't expect.
LCO Financial Services, LLC: 92.6% of 108 CFPB complaints sit in "Payday loan, title loan, or personal loan". Timely 98.1% · relief 10.2%. Allegations, not findings.
- Single-product concentration
- -71.4% filings 2018 to 2022
CFPB relief outcome brief
CCDB company lco-financial-services-llc
10.2% relief · 98.1% timely · 108 filings · Payday loan, title loan, or personal loan
Same-product relief peers
Nearest relief peer: National Financial LLC (10.3% relief)
LCO Financial Services, LLC closes 10.2% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of LCO Financial Services, LLC's 108 filings include narrative text
64.8% 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.
LCO Financial Services, LLC complaint mix by product
- Payday loan, 100 92.6% – 8% relief
- Debt collection 7 6.5% – 43% relief
- Credit reporting, 1 0.9% – 0% relief
How LCO Financial Services, LLC's 108 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Payday loan, title loan, or personal loan | 100 |
| Debt collection | 7 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
Where LCO Financial Services, LLC complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 18.5% of this company's filings
LCO Financial Services, LLC falling annual filings
Annual filing volume from the CFPB public database
- 2022
- 10
- -71.4% vs 2018
Top States
| State | Complaints |
|---|---|
| CA | 20 |
| FL | 13 |
| NC | 7 |
| MD | 7 |
| OR | 6 |
| AZ | 5 |
| CO | 5 |
| TX | 5 |
| MI | 4 |
| KY | 4 |
| NJ | 4 |
| IN | 3 |
| DE | 2 |
| OH | 2 |
| MS | 2 |
| NE | 2 |
| IL | 2 |
| SC | 2 |
| NV | 2 |
| KS | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Charged fees or interest you didn't expect | 55 |
| Struggling to pay your loan | 23 |
| Problem with the payoff process at the end of the loan | 6 |
| Can't stop withdrawals from your bank account | 5 |
| Received a loan you didn't apply for | 3 |
| Problem when making payments | 3 |
| Communication tactics | 2 |
| Threatened to contact someone or share information improperly | 2 |
| Attempts to collect debt not owed | 2 |
| Can't contact lender or servicer | 1 |
| Getting a line of credit | 1 |
| Money was taken from your bank account on the wrong day or for the wrong amount | 1 |
| Written notification about debt | 1 |
| Getting the loan | 1 |
| Credit monitoring or identity theft protection services | 1 |
| Improper use of your report | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2018 | 35 | 100% |
| 2019 | 44 | 95.5% |
| 2020 | 15 | 100% |
| 2021 | 4 | 100% |
| 2022 | 10 | 100% |
Source: CFPB Consumer Complaint Database
LCO Financial Services, LLC filings cluster in one product
LCO Financial Services, LLC's 108 logged complaints stay concentrated: only 26 states show a filing. 64.8% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2018 through 2022-10-07.
LCO Financial Services, LLC answers 98.1% of complaints inside the CFPB's tracked window and closes 89.8% with a written explanation. 10.2% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Payday loan, title loan, or personal loan" draws the most filings, most often for "Charged fees or interest you didn't expect."
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 LCO Financial Services, LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for LCO Financial Services, 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: 108.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 98.1%.
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 LCO Financial Services, LLC (98.1% timely; 10.2% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration