NCD Financial, LLC
74 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About NCD Financial, LLC
NCD Financial, LLC's 74 logged complaints stay concentrated: only 22 states show a filing on record. 43.2% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - 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.
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.
Frequently Asked Questions
How many CFPB complaints does NCD Financial, LLC have?
74, per the CFPB's public complaint count for this company (see the full breakdown above).
Does NCD Financial, LLC respond to complaints on time?
100% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about NCD Financial, LLC?
"Incorrect information on your report", filed under the "Credit reporting or other personal consumer reports" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.