CFPB Consumer Complaint Profile
LCO Financial Services, LLC
Behind the 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
- 108
- Total complaints
- Mid-range
- 0
- Last 12 months
- 98.1%
- Timely response
- Below median
- 26
- States affected
The verdict
By CFPB complaint volume, LCO Financial Services, LLC is #1277 out of 3,843 financial companies. On response speed it sits at the 48th percentile among companies with 100+ complaints.
- Payday loan, title l…
- most-complained product
- CA
- 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.
LCO Financial Services, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
98.1% Around the middle higher than 48% 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 |
|---|---|
| 2018 | 35 |
| 2019 | 44 |
| 2020 | 15 |
| 2021 | 4 |
| 2022 | 10 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for LCO Financial Services, LLC
The CFPB Consumer Complaint Database shows a multi-regional complaint footprint for LCO Financial Services, LLC, with consumers across the country filing against it. "Payday loan, title loan, or personal loan" 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 "Charged fees or interest you didn't expect" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
The timely-response measure counts forwarded complaints answered inside the Bureau's 15-day window. This company's rate clears the industry benchmark, pointing to intake and escalation processes that are working as intended. 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 Payday loan, title loan, or personal loan
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does LCO Financial Services, LLC have?
108 complaints have been filed against LCO Financial Services, LLC with the CFPB overall - 0 of them in the past year.
Does LCO Financial Services, LLC respond to complaints on time?
CFPB complaints against LCO Financial Services, LLC draw a 98.1% timely-response rate inside the expected window. This is considered excellent.
What product generates the most complaints for LCO Financial Services, LLC?
"Payday loan, title loan, or personal loan" draws more CFPB complaints against LCO Financial Services, LLC than any other product - see the full breakdown above.
What is the most common complaint issue with LCO Financial Services, LLC?
"Charged fees or interest you didn't expect" is the single most frequently cited issue in complaints against LCO Financial Services, LLC - see all issues and counts above.
How do I file a complaint against LCO Financial Services, LLC?
You can file a complaint against LCO Financial Services, 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 LCO Financial Services, LLC?
The CFPB has recorded complaints against LCO Financial Services, LLC from 26 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.