CFPB Consumer Complaint Profile
Kirkland Financial LLC
Behind the 10 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
- 10
- Total complaints
- Below average
- 0
- Last 12 months
- 100%
- Timely response
- Top decile
- 7
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Kirkland Financial LLC has accumulated 10 complaints, placing it #3715 by volume. It posts a 100% on-time response rate, the 86th percentile among companies with 100+ complaints.
- #3715
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Mortgage
- most-complained product
- 7
- 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.
Kirkland Financial 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
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 |
|---|---|
| 2015 | 1 |
| 2016 | 1 |
| 2017 | 2 |
| 2018 | 3 |
| 2019 | 1 |
| 2020 | 1 |
| 2021 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Kirkland Financial LLC
The CFPB Consumer Complaint Database has logged 10 complaints against Kirkland Financial LLC overall, with 0 of those filed in the trailing 12 months. Reports have come from consumers in 7 states and territories, making this a geographically concentrated complaint footprint. "Mortgage" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Struggling to pay mortgage" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against Kirkland Financial LLC draw a 100% reply rate inside the Bureau's 15-day window. That is at or above benchmark levels, a sign the company handles intake and escalation well. 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 0% 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 Kirkland Financial LLC have?
The CFPB has logged 10 complaints against Kirkland Financial LLC to date, of which 0 came in over the last 12 months.
Does Kirkland Financial LLC respond to complaints on time?
Kirkland Financial LLC has a 100% timely response rate to CFPB complaints. This is considered excellent.
What product generates the most complaints for Kirkland Financial LLC?
Among all products tied to Kirkland Financial LLC, "Mortgage" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Kirkland Financial LLC?
"Struggling to pay mortgage" is the single most frequently cited issue in complaints against Kirkland Financial LLC - see all issues and counts above.
How do I file a complaint against Kirkland Financial LLC?
You can file a complaint against Kirkland Financial 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 Kirkland Financial LLC?
The CFPB has recorded complaints against Kirkland Financial 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Kirkland Financial 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 Mortgage
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Kirkland Financial LLC have?
The CFPB has logged 10 complaints against Kirkland Financial LLC to date, of which 0 came in over the last 12 months.
Does Kirkland Financial LLC respond to complaints on time?
Kirkland Financial LLC has a 100% timely response rate to CFPB complaints. This is considered excellent.
What product generates the most complaints for Kirkland Financial LLC?
Among all products tied to Kirkland Financial LLC, "Mortgage" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Kirkland Financial LLC?
"Struggling to pay mortgage" is the single most frequently cited issue in complaints against Kirkland Financial LLC - see all issues and counts above.
How do I file a complaint against Kirkland Financial LLC?
You can file a complaint against Kirkland Financial 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 Kirkland Financial LLC?
The CFPB has recorded complaints against Kirkland Financial 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.