CFPB Consumer Complaint Profile
Lake City Credit
Behind the 41 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
- 41
- Total complaints
- Mid-range
- 0
- Last 12 months
- 75.6%
- Timely response
- Bottom decile
- 14
- States affected
The verdict
Lake City Credit ranks #2018 of 3,843 financial companies by CFPB complaint volume, with 41 complaints on record. On-time replies land at 75.6%, the 7th percentile for the 100+ complaint peer group.
- #2018
- of 3,843 companies by volume
- 75.6%
- on time (7th pctile)
- Debt collection
- most-complained product
- 14
- 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.
Lake City Credit vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
75.6% Among the lowest higher than 7% 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 |
|---|---|
| 2019 | 8 |
| 2020 | 19 |
| 2021 | 6 |
| 2022 | 3 |
| 2023 | 3 |
| 2024 | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Lake City Credit
Lake City Credit carries 41 complaints in the CFPB's database, 0 of them filed within the past 12 months. Consumers spanning 14 states and territories have weighed in, giving this a geographically concentrated footprint. "Debt collection" 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 "Attempts to collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Within the Bureau's 15-day response window, Lake City Credit posts a 75.6% reply rate on forwarded complaints. That is well below the 95% industry benchmark and is a material red flag, late or missing responses are one of the strongest predictors of CFPB supervisory interest. 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 Lake City Credit have?
41 complaints have been filed against Lake City Credit with the CFPB overall - 0 of them in the past year.
Does Lake City Credit respond to complaints on time?
Lake City Credit has a 75.6% timely response rate to CFPB complaints. This is below the typical industry benchmark of 95%.
What product generates the most complaints for Lake City Credit?
The most complained-about product for Lake City Credit is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Lake City Credit?
Consumers most often cite "Attempts to collect debt not owed" when complaining about Lake City Credit; the full issue list with counts is above.
How do I file a complaint against Lake City Credit?
You can file a complaint against Lake City Credit 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 Lake City Credit?
The CFPB has recorded complaints against Lake City Credit from 14 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.
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Lake City Credit have?
41 complaints have been filed against Lake City Credit with the CFPB overall - 0 of them in the past year.
Does Lake City Credit respond to complaints on time?
Lake City Credit has a 75.6% timely response rate to CFPB complaints. This is below the typical industry benchmark of 95%.
What product generates the most complaints for Lake City Credit?
The most complained-about product for Lake City Credit is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Lake City Credit?
Consumers most often cite "Attempts to collect debt not owed" when complaining about Lake City Credit; the full issue list with counts is above.
How do I file a complaint against Lake City Credit?
You can file a complaint against Lake City Credit 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 Lake City Credit?
The CFPB has recorded complaints against Lake City Credit from 14 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.