CFPB Consumer Complaint Profile
HoldCo LLC
What 45 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 45
- Total complaints
- Mid-range
- 8
- Last 12 months
- 84.4%
- Timely response
- Bottom quartile
- 19
- States affected
The verdict
45 CFPB complaints put HoldCo LLC at #1934 out of 3,843 financial companies ranked by complaint volume. Its on-time response rate is 84.4%, the 12th percentile among companies with 100+ complaints.
- #1934
- of 3,843 companies by volume
- 84.4%
- on time (12th pctile)
- Money transfer, virt…
- most-complained product
- 19
- 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.
HoldCo LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
84.4% Among the lowest higher than 12% 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 19 in 2024 to 3 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 |
|---|---|
| 2023 | 17 |
| 2024 | 19 |
| 2025 | 3 |
| 2026year in progress | 6 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for HoldCo LLC
HoldCo LLC carries 45 complaints in the CFPB's database, 8 of them filed within the past 12 months. Consumers spanning 19 states and territories have weighed in, giving this a multi-regional footprint. "Money transfer, virtual currency, or money service" 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 "Fraud or scam," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, HoldCo LLC posts a 84.4% reply rate on forwarded complaints. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. Among resolved complaints, the consumer-relief closure rate is 4.4%.
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 HoldCo LLC have?
HoldCo LLC has 45 total consumer complaints filed with the CFPB, with 8 filed in the last 12 months.
Does HoldCo LLC respond to complaints on time?
HoldCo LLC's CFPB timely-response rate is 84.4%.
What product generates the most complaints for HoldCo LLC?
The most complained-about product for HoldCo LLC is "Money transfer, virtual currency, or money service." You can view the full product breakdown on this page.
What is the most common complaint issue with HoldCo LLC?
"Fraud or scam" is the single most frequently cited issue in complaints against HoldCo LLC - see all issues and counts above.
How do I file a complaint against HoldCo LLC?
You can file a complaint against 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 HoldCo LLC?
Consumers in 19 states and territories have filed complaints about HoldCo LLC with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Also handles Money transfer, virtual currency, or money service
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.