CFPB Consumer Complaint Profile
Lac Courte Oreilles Financial Services II
50 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 50
- Total complaints
- Mid-range
- 11
- Last 12 months
- 100%
- Timely response
- Top decile
- 21
- States affected
The verdict
Lac Courte Oreilles Financial Services II ranks #1831 of 3,843 financial companies by CFPB complaint volume, with 50 complaints on record. Its on-time response rate is 100%, the 86th percentile among companies with 100+ complaints.
- #1831
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Payday loan, title l…
- most-complained product
- 21
- 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.
Lac Courte Oreilles Financial Services II 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 |
|---|---|
| 2022 | 4 |
| 2023 | 13 |
| 2024 | 17 |
| 2025 | 16 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Lac Courte Oreilles Financial Services II
50 complaints against Lac Courte Oreilles Financial Services II appear in the CFPB record, including 11 from the trailing year. The 21 states and territories represented put this footprint in multi-regional territory. The single largest complaint category is "Payday loan, title loan, personal loan, or advance loan," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Charged fees or interest you didn't expect" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
CFPB-forwarded complaints against Lac Courte Oreilles Financial Services II draw a 100% reply rate inside the Bureau's 15-day window. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Among resolved complaints, the consumer-relief closure rate is 50%.
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 Lac Courte Oreilles Financial Services II have?
50 complaints have been filed against Lac Courte Oreilles Financial Services II with the CFPB overall - 11 of them in the past year.
Does Lac Courte Oreilles Financial Services II respond to complaints on time?
Lac Courte Oreilles Financial Services II has a 100% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Lac Courte Oreilles Financial Services II?
Among all products tied to Lac Courte Oreilles Financial Services II, "Payday loan, title loan, personal loan, or advance loan" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Lac Courte Oreilles Financial Services II?
The most common issue reported by consumers about Lac Courte Oreilles Financial Services II is "Charged fees or interest you didn't expect." All complaint issues are listed above with their counts.
How do I file a complaint against Lac Courte Oreilles Financial Services II?
You can file a complaint against Lac Courte Oreilles Financial Services II 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 Lac Courte Oreilles Financial Services II?
Lac Courte Oreilles Financial Services II has drawn CFPB complaints from 21 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.
Also handles Payday loan, title loan, personal loan, or advance loan
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Lac Courte Oreilles Financial Services II have?
50 complaints have been filed against Lac Courte Oreilles Financial Services II with the CFPB overall - 11 of them in the past year.
Does Lac Courte Oreilles Financial Services II respond to complaints on time?
Lac Courte Oreilles Financial Services II has a 100% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Lac Courte Oreilles Financial Services II?
Among all products tied to Lac Courte Oreilles Financial Services II, "Payday loan, title loan, personal loan, or advance loan" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Lac Courte Oreilles Financial Services II?
The most common issue reported by consumers about Lac Courte Oreilles Financial Services II is "Charged fees or interest you didn't expect." All complaint issues are listed above with their counts.
How do I file a complaint against Lac Courte Oreilles Financial Services II?
You can file a complaint against Lac Courte Oreilles Financial Services II 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 Lac Courte Oreilles Financial Services II?
Lac Courte Oreilles Financial Services II has drawn CFPB complaints from 21 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.