CFPB Consumer Complaint Profile

Arcadia Holdings, LLC

Behind the 216 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.

Data updated 2026-05-15

216
Total complaints
14
Last 12 months
75.5%
Timely response
18
States affected

The verdict

216 CFPB complaints put Arcadia Holdings, LLC at #880 out of 3,848 financial companies ranked by complaint volume. It answers 75.5% of complaints on time - below the 93% median for companies with 100+ complaints.

#880
of 3,848 companies by volume
75.5%
answered on time
Debt collection
most-complained product
18
states with complaints
Arcadia Holdings, LLC timely response rate 75.5%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Debt collection - Medical debt 88
Debt collection - I do not know 43
Debt collection - Medical 37
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 21
Debt collection - Other debt 10
Debt collection - Other (i.e. phone, health club, etc.) 7
Debt collection - Credit card debt 6
Credit reporting or other personal consumer reports - Credit reporting 1
Credit reporting 1
Debt or credit management - Debt settlement 1

Top Issues

1.Attempts to collect debt not owed 47
2.Written notification about debt 45
3.Cont'd attempts collect debt not owed 31
4.Communication tactics 26
5.False statements or representation 25
6.Disclosure verification of debt 10
7.Incorrect information on your report 9
8.Problem with a credit reporting company's investigation into an existing problem 8
9.Improper use of your report 3
10.Took or threatened to take negative or legal action 3

Complaints by Year

Year Complaints
2014 8
2015 20
2016 25
2017 15
2018 9
2019 10
2020 22
2021 41
2022 30
2023 11
2024 9
2025 13
2026 3

Complaints by State (Top 15)

Pennsylvania 77
California 56
New York 20
New Jersey 19
Connecticut 12
Texas 7
Massachusetts 4
Florida 4
Virginia 4
Vermont 2
Ohio 2
Oklahoma 1
Missouri 1
Kentucky 1
District of Columbia 1

Company Responses

Closed with explanation 197
Untimely response 17
Closed with non-monetary relief 2

What the CFPB Complaint Record Shows for Arcadia Holdings, LLC

Arcadia Holdings, LLC carries 216 complaints in the CFPB's database, 14 of them filed within the past 12 months. Consumers spanning 18 states and territories have weighed in, giving this a multi-regional footprint. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Attempts to collect debt not owed" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.

Arcadia Holdings, LLC's timely response rate stands at 75.5%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is far under the 95% benchmark - a material red flag, since late or missing responses are among the strongest predictors of CFPB supervisory interest. Consumers formally disputed the company's response in 13.8% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. 0.9% of resolved complaints ended with some monetary or non-monetary relief for the consumer.

How to read complaint counts

Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.

Frequently Asked Questions

How many CFPB complaints does Arcadia Holdings, LLC have?

Arcadia Holdings, LLC has 216 total consumer complaints filed with the CFPB, with 14 filed in the last 12 months.

Does Arcadia Holdings, LLC respond to complaints on time?

75.5% of the CFPB complaints against Arcadia Holdings, LLC get a response within the expected window. This is below the typical industry benchmark of 95%.

What product generates the most complaints for Arcadia Holdings, LLC?

Among all products tied to Arcadia Holdings, LLC, "Debt collection" accounts for the largest share of complaints (full breakdown above).

What is the most common complaint issue with Arcadia Holdings, LLC?

"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against Arcadia Holdings, LLC - see all issues and counts above.

How do I file a complaint against Arcadia Holdings, LLC?

You can file a complaint against Arcadia Holdings, LLC directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.

In how many states have consumers complained about Arcadia Holdings, LLC?

Arcadia Holdings, LLC has drawn CFPB complaints from 18 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.

Similar Companies

Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.