CFPB Consumer Complaint Profile
Lincoln Financial Services
The CFPB complaints on file trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 36
- Total complaints
- Mid-range
- 17
- Last 12 months
- 16.7%
- Timely response
- Bottom decile
- 16
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Lincoln Financial Services sits at #2143. On response speed it sits at the 1st percentile among companies with 100+ complaints.
- Money transfer, virt…
- 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.
Lincoln Financial Services vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
16.7% Among the lowest higher than 1% 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
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 6 in 2024 to 19 in 2025 (2024 → 2025).
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2016 | 1 |
| 2017 | 2 |
| 2018 | 2 |
| 2019 | 1 |
| 2020 | 1 |
| 2022 | 1 |
| 2024 | 6 |
| 2025 | 19 |
| 2026year in progress | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Lincoln Financial Services
The CFPB Consumer Complaint Database shows a multi-regional complaint footprint for Lincoln Financial Services, with consumers across the country filing against it. The single largest complaint category is "Money transfer, virtual currency, or money service," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Managing an account" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
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 trails the 95% benchmark badly, a red flag given how strongly late or missing responses predict CFPB supervisory attention. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Lincoln Financial Services: 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 Money transfer, virtual currency, or money service
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Lincoln Financial Services have?
The CFPB has logged 36 complaints against Lincoln Financial Services to date, of which 17 came in over the last 12 months.
Does Lincoln Financial Services respond to complaints on time?
Lincoln Financial Services's CFPB timely-response rate is 16.7%. This is below the typical industry benchmark of 95%.
What product generates the most complaints for Lincoln Financial Services?
The most complained-about product for Lincoln Financial Services is "Money transfer, virtual currency, or money service." You can view the full product breakdown on this page.
What is the most common complaint issue with Lincoln Financial Services?
The most common issue reported by consumers about Lincoln Financial Services is "Managing an account." All complaint issues are listed above with their counts.
How do I file a complaint against Lincoln Financial Services?
You can file a complaint against Lincoln Financial Services 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 Lincoln Financial Services?
Lincoln Financial Services has drawn CFPB complaints from 16 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.