LTD Financial Services, L.P.
Open-data reference.
Debt Collector, CFPB Complaint Profile Specializes in: Credit card debt
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Most consumers facing collection complaints carry utilization in the Fair-Poor band. FICO bands per myFICO + Experian guidance.
FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 18 |
| 2014 | 39 |
| 2015 | 39 |
| 2016 | 29 |
| 2017 | 29 |
| 2018 | 44 |
| 2019 | 29 |
| 2020 | 38 |
| 2021 | 56 |
| 2022 | 44 |
| 2023 | 38 |
| 2024 | 17 |
| 2025 | 3 |
| 2026 | 1 |
Complaints by State (Top 15)
Other Complaint Types
Your Rights with Debt Collectors
The Fair Debt Collection Practices Act (FDCPA) protects you from abusive, unfair, and deceptive collection practices.
- Request written verification of any debt within 30 days of first contact
- Dispute a debt if you believe it is incorrect or does not belong to you
- Demand the collector stop contacting you (in writing)
- File a complaint with the CFPB at consumerfinance.gov/complaint
What the CFPB Record Shows for LTD Financial Services, L.P.
The CFPB has logged 362 debt-collection complaints against LTD Financial Services, L.P., 85.4% of the 424 complaints filed against this entity overall. Consumers in 43 states and territories have filed reports, putting this collection operation in nationwide territory by complaint volume. Consumers most frequently describe "Credit card debt" as the debt type behind their complaint about this collector. "Attempts to collect debt not owed" comes up most often as the specific issue cited - worth a look for anyone trying to spot this collector's recurring pain point.
The company's timely response rate is 86.6%, meaning that share of CFPB-forwarded complaints received a reply within the 15-day window the Bureau expects. That falls short of the 95% benchmark, a gap that tends to track with more disputes downstream. Of resolved cases, 15.1% closed with monetary or non-monetary relief to the consumer. The response was formally disputed in 10.7% of resolved cases, indicating how frequently the initial fix fell short.
How to read these numbers, and what to do if you're disputing a charge
Complaint volume alone does not prove wrongdoing, larger collection portfolios naturally produce more complaints, but the combination of timely-response rate, relief ratio, and dispute rate above gives a reasonable empirical picture of how this collector handles consumer interactions. Anyone in active dispute with this company should keep written records, use certified mail for verification requests (see your FDCPA rights above), and consider filing a CFPB complaint if standard resolution channels stall.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Frequently Asked Questions
How many debt collection complaints does LTD Financial Services, L.P. have?
362 debt-collection complaints against LTD Financial Services, L.P. appear in the CFPB record - 85.4% of the company's total complaint volume.
Does LTD Financial Services, L.P. respond to complaints on time?
86.6% of the CFPB complaints against LTD Financial Services, L.P. get a response within the expected window.
Does LTD Financial Services, L.P. provide relief to consumers?
Of resolved complaints against LTD Financial Services, L.P., 15.1% ended with consumer relief of some kind.
What type of debt does LTD Financial Services, L.P. primarily collect?
"Credit card debt" is the debt type LTD Financial Services, L.P. is most associated with in CFPB complaint data - see the full breakdown above.
What rights do I have against LTD Financial Services, L.P.?
Under the Fair Debt Collection Practices Act (FDCPA), you can request written debt verification within 30 days, dispute debts you believe are incorrect, demand the collector stop contacting you in writing, and file a complaint with the CFPB at consumerfinance.gov/complaint.
In how many states is LTD Financial Services, L.P. active?
LTD Financial Services, L.P. has received consumer complaints from 43 states and territories, based on CFPB data.
Source: Consumer Financial Protection Bureau Consumer Complaint Database · Q1 2026 Complaints filed against firms, not individuals. Data through March 2026.
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the CFPB Consumer Complaint Database. Consult a qualified professional before making decisions based on this data.
Read our methodology - how this data is sourced, computed, and verified.