CFPB Consumer Complaint Profile
F&L Marketing Enterprises LLC
13 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 13
- Total complaints
- Below average
- 1
- Last 12 months
- 76.9%
- Timely response
- Bottom decile
- 4
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, F&L Marketing Enterprises LLC sits at #3408, with 13 complaints logged. Its on-time response rate is 76.9%, the 8th percentile among companies with 100+ complaints.
- #3408
- of 3,843 companies by volume
- 76.9%
- on time (8th pctile)
- Payday loan, title l…
- most-complained product
- 4
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
F&L Marketing Enterprises LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
76.9% Among the lowest higher than 8% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2014 | 2 |
| 2015 | 1 |
| 2017 | 4 |
| 2018 | 1 |
| 2019 | 1 |
| 2020 | 1 |
| 2024 | 2 |
| 2026year in progress | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for F&L Marketing Enterprises LLC
F&L Marketing Enterprises LLC carries 13 complaints in the CFPB's database, 1 of them filed within the past 12 months. Consumers spanning 4 states and territories have weighed in, giving this a geographically concentrated footprint. "Payday loan, title loan, or personal loan" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "Struggling to pay your loan," a reasonable starting point for understanding recurring friction.
CFPB-forwarded complaints against F&L Marketing Enterprises LLC draw a 76.9% reply rate inside the Bureau's 15-day window. That trails the 95% benchmark badly, a red flag given how strongly late or missing responses predict CFPB supervisory attention. The company's response carried a 0% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 30.8% rate.
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, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
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 F&L Marketing Enterprises LLC have?
F&L Marketing Enterprises LLC has 13 total consumer complaints filed with the CFPB, with 1 filed in the last 12 months.
Does F&L Marketing Enterprises LLC respond to complaints on time?
F&L Marketing Enterprises LLC has a 76.9% timely response rate to CFPB complaints. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for F&L Marketing Enterprises LLC?
The most complained-about product for F&L Marketing Enterprises LLC is "Payday loan, title loan, or personal loan." You can view the full product breakdown on this page.
What is the most common complaint issue with F&L Marketing Enterprises LLC?
The most common issue reported by consumers about F&L Marketing Enterprises LLC is "Struggling to pay your loan." All complaint issues are listed above with their counts.
How do I file a complaint against F&L Marketing Enterprises LLC?
You can file a complaint against F&L Marketing Enterprises 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 F&L Marketing Enterprises LLC?
F&L Marketing Enterprises LLC has drawn CFPB complaints from 4 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for F&L Marketing Enterprises LLC: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (0% here).
Also handles Payday loan, title loan, or personal loan
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.