CFPB · Narrative-heavy record
NCD Financial, LLC
74 CFPB complaints · 43.2% with narratives · top issue Incorrect information on your report.
NCD Financial, LLC: 43.2% of 74 filings include consumer narratives. Timely 100% · relief 1.4% · top product Credit reporting or other personal consumer reports. Allegations, not findings.
- Narrative-heavy record
- 0% filings 2021 to 2026
CFPB relief outcome brief
CCDB company ncd-financial-llc
1.4% relief · 100% timely · 74 filings · Credit reporting or other personal consumer reports
Same-product relief peers
Nearest relief peer: Mid Florida Financing LLC (1.4% relief)
NCD Financial, LLC closes 1.4% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
NCD Financial, LLC scores strongest on timely response (100/100 percentile-benchmarked) and weakest on relief provided (7/100), 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
7 / 100 percentile-benchmarked
1.4% of complaints closed with relief to the consumer
Timely response
100 / 100 percentile-benchmarked
100% of complaints answered inside the CFPB 15-day window
Closed with explanation
97 / 100 percentile-benchmarked
98.6% of complaints closed with an explanation to the consumer
Most of NCD Financial, LLC's 74 filings include narrative text
43.2% 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.
NCD Financial, LLC complaint mix by product
- Credit reporting 30 41.1% – 0% relief
- Credit reporting, 21 28.8% – 5% relief
- Debt collection 13 17.8% – 0% relief
- Credit card 4 5.5% – 0% relief
- Payday loan, 3 4.1% – 0% relief
- Vehicle loan 1 1.4% – 0% relief
- Credit card 1 1.4% – 0% relief
How NCD Financial, LLC's 74 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 | 30 |
| Credit reporting, credit repair services, or other personal consumer reports | 21 |
| Debt collection | 13 |
| Credit card | 4 |
| Payday loan, title loan, personal loan, or advance loan | 3 |
| Vehicle loan or lease | 1 |
| Credit card or prepaid card | 1 |
| Payday loan, title loan, or personal loan | 1 |
Where NCD Financial, LLC complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- FL
- 23% of this company's filings
NCD Financial, LLC complaints by year
Annual filing volume from the CFPB public database
- 2026
- 7
- 0% vs 2021
Top States
| State | Complaints |
|---|---|
| FL | 17 |
| TX | 12 |
| CA | 7 |
| IL | 5 |
| GA | 4 |
| NY | 4 |
| CT | 3 |
| NJ | 3 |
| OH | 2 |
| WI | 2 |
| NC | 2 |
| VA | 2 |
| HI | 1 |
| AR | 1 |
| IN | 1 |
| OK | 1 |
| MI | 1 |
| MO | 1 |
| WA | 1 |
| MD | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 31 |
| Problem with a company's investigation into an existing problem | 13 |
| Attempts to collect debt not owed | 10 |
| Improper use of your report | 9 |
| Problem with a credit reporting company's investigation into an existing problem | 3 |
| Problem with the payoff process at the end of the loan | 1 |
| Took or threatened to take negative or legal action | 1 |
| Problem with a purchase shown on your statement | 1 |
| Written notification about debt | 1 |
| Communication tactics | 1 |
| Getting a credit card | 1 |
| Managing the loan or lease | 1 |
| Problem when making payments | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2021 | 7 | 100% |
| 2022 | 15 | 100% |
| 2023 | 9 | 100% |
| 2024 | 17 | 100% |
| 2025 | 19 | 100% |
| 2026 | 7 | 100% |
Source: CFPB Consumer Complaint Database
NCD Financial, LLC's narrative-rich complaint ledger
NCD Financial, LLC's 74 logged complaints stay concentrated: only 22 states show a filing. 43.2% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2021 through 2026-04-22.
NCD Financial, LLC answers 100% of complaints inside the CFPB's tracked window and closes 98.6% with a written explanation. 1.4% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Credit reporting or other personal consumer reports" draws the most filings, most often for "Incorrect information on 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 NCD Financial, LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for NCD Financial, 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: 74.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
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 NCD Financial, LLC (100% timely; 1.4% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record