CFPB Consumer Complaint Profile
FC HoldCo LLC
Behind the 3,452 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 3,452
- Total complaints
- Among the highest
- 781
- Last 12 months
- 99.9%
- Timely response
- Top decile
- 51
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, FC HoldCo LLC has accumulated 3,452 complaints, placing it #140 by volume. Its on-time response rate is 99.9%, the 82nd percentile among companies with 100+ complaints.
- #140
- of 3,843 companies by volume
- 99.9%
- on time (82nd pctile)
- Credit reporting or …
- most-complained product
- 51
- 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.
FC HoldCo LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.9% Top 18% higher than 82% 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
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 724 in 2024 to 886 in 2025 (2024 → 2025).
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 | 14 |
| 2015 | 23 |
| 2016 | 45 |
| 2017 | 123 |
| 2018 | 126 |
| 2019 | 158 |
| 2020 | 185 |
| 2021 | 259 |
| 2022 | 284 |
| 2023 | 480 |
| 2024 | 724 |
| 2025 | 886 |
| 2026year in progress | 145 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for FC HoldCo LLC
The CFPB Consumer Complaint Database has logged 3,452 complaints against FC HoldCo LLC overall, with 781 of those filed in the trailing 12 months. Reports have come from consumers in 51 states and territories, making this a nationwide complaint footprint. No product draws more complaints than "Credit reporting or other personal consumer reports," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Improper use of your report" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
FC HoldCo LLC's timely response rate stands at 99.9%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. The company's response carried a 18.2% 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 0.2% 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 FC HoldCo LLC have?
3,452 complaints have been filed against FC HoldCo LLC with the CFPB overall - 781 of them in the past year.
Does FC HoldCo LLC respond to complaints on time?
CFPB complaints against FC HoldCo LLC draw a 99.9% timely-response rate inside the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for FC HoldCo LLC?
"Credit reporting or other personal consumer reports" draws more CFPB complaints against FC HoldCo LLC than any other product - see the full breakdown above.
What is the most common complaint issue with FC HoldCo LLC?
The most common issue reported by consumers about FC HoldCo LLC is "Improper use of your report." All complaint issues are listed above with their counts.
How do I file a complaint against FC HoldCo LLC?
You can file a complaint against FC HoldCo 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 FC HoldCo LLC?
The CFPB has recorded complaints against FC HoldCo LLC from 51 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for FC HoldCo 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 complaint volume
Nearest companies by total CFPB complaint count (3,452 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (18.2% here).
Also handles Credit reporting or other personal consumer reports
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.