CFPB Consumer Complaint Profile
KCB Credit LLC
What the 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
- 12
- Total complaints
- Below average
- 5
- Last 12 months
- 100%
- Timely response
- Top decile
- 7
- States affected
The verdict
By CFPB complaint volume, KCB Credit LLC is #3492 out of 3,843 financial companies. Its on-time response record is at the 86th percentile among companies with 100+ complaints.
- Credit reporting or …
- most-complained product
- NV
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
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.
KCB Credit LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% 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
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2023 | 1 |
| 2024 | 4 |
| 2025 | 6 |
| 2026year in progress | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for KCB Credit LLC
KCB Credit LLC draws a geographically concentrated spread of CFPB complaints, filed by consumers in many parts of the country. No product draws more complaints than "Credit reporting or other personal consumer reports," which sits at the top of the product breakdown. Inside that category, "Improper use of your report" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Timely response is the share of CFPB-forwarded complaints that receive a company reply within the 15-day window the Bureau expects. This company's rate is at or above benchmark levels, a sign it handles intake and escalation well. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
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.
Also handles Credit reporting or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does KCB Credit LLC have?
KCB Credit LLC has 12 total consumer complaints filed with the CFPB, with 5 filed in the last 12 months.
Does KCB Credit LLC respond to complaints on time?
KCB Credit LLC's CFPB timely-response rate is 100%. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for KCB Credit LLC?
The most complained-about product for KCB Credit LLC is "Credit reporting or other personal consumer reports." You can view the full product breakdown on this page.
What is the most common complaint issue with KCB Credit LLC?
The most common issue reported by consumers about KCB Credit LLC is "Improper use of your report." All complaint issues are listed above with their counts.
How do I file a complaint against KCB Credit LLC?
You can file a complaint against KCB Credit 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 KCB Credit LLC?
The CFPB has recorded complaints against KCB Credit LLC from 7 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.