CFPB Consumer Complaint Profile
Five Lakes Agency
Consumers have filed 12 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 12
- Total complaints
- Below average
- 0
- Last 12 months
- 83.3%
- Timely response
- Bottom quartile
- 8
- States affected
The verdict
Five Lakes Agency ranks #3492 of 3,843 financial companies by CFPB complaint volume, with 12 complaints on record. It posts a 83.3% on-time response rate, the 11th percentile among companies with 100+ complaints.
- #3492
- of 3,843 companies by volume
- 83.3%
- on time (11th pctile)
- Debt collection
- most-complained product
- 8
- 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.
Five Lakes Agency vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
83.3% Among the lowest higher than 11% 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 |
|---|---|
| 2013 | 5 |
| 2014 | 3 |
| 2016 | 1 |
| 2017 | 1 |
| 2018 | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Five Lakes Agency
The CFPB Consumer Complaint Database has logged 12 complaints against Five Lakes Agency overall, with 0 of those filed in the trailing 12 months. Reports have come from consumers in 8 states and territories, making this a geographically concentrated complaint footprint. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Loan modification,collection,foreclosure" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
CFPB-forwarded complaints against Five Lakes Agency draw a 83.3% reply rate inside the Bureau's 15-day window. That sits below the 95% industry benchmark and tends to correlate with higher consumer dispute rates downstream. The company's response carried a 20% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, 0% closed with some form of monetary or non-monetary relief to 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, 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 Five Lakes Agency have?
Five Lakes Agency has 12 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does Five Lakes Agency respond to complaints on time?
Five Lakes Agency has a 83.3% timely response rate to CFPB complaints.
What product generates the most complaints for Five Lakes Agency?
"Debt collection" draws more CFPB complaints against Five Lakes Agency than any other product - see the full breakdown above.
What is the most common complaint issue with Five Lakes Agency?
"Loan modification,collection,foreclosure" is the single most frequently cited issue in complaints against Five Lakes Agency - see all issues and counts above.
How do I file a complaint against Five Lakes Agency?
You can file a complaint against Five Lakes Agency 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 Five Lakes Agency?
Five Lakes Agency has drawn CFPB complaints from 8 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 Five Lakes Agency: 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 (20% here).
Also handles Debt collection
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.