CFPB Consumer Complaint Profile

Line 5, LLC

What 20 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.

20
Total complaints
14
Last 12 months
100%
Timely response
12
States affected

The verdict

Line 5, LLC ranks #2864 of 3,848 financial companies by CFPB complaint volume, with 20 complaints on record. It answers 100% of complaints on time — above the 93% median for companies with 100+ complaints.

#2864
of 3,848 companies by volume
100%
answered on time
Debt collection
most-complained product
12
states with complaints
Line 5, LLC timely response rate 100.0%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Complaints by Product

Debt collection — Other debt 7
Debt collection — I do not know 4
Credit reporting or other personal consumer reports — Credit reporting 4
Payday loan, title loan, personal loan, or advance loan — Installment loan 2
Vehicle loan or lease — Loan 2
Vehicle loan or lease — Lease 1

Top Issues

1.Attempts to collect debt not owed 8
2.Managing the loan or lease 3
3.Getting the loan 2
4.Communication tactics 2
5.Incorrect information on your report 2
6.Electronic communications 1
7.Improper use of your report 1
8.Problem with a company's investigation into an existing problem 1

Complaints by Year

Year Complaints
2024 3
2025 15
2026 2

Complaints by State (Top 15)

Florida 3
Virginia 3
New York 3
District of Columbia 2
Missouri 2
Texas 1
Alabama 1
Georgia 1
Iowa 1
Delaware 1
Oregon 1
South Carolina 1

Company Responses

Closed with explanation 20

What the CFPB Complaint Record Shows for Line 5, LLC

The CFPB Consumer Complaint Database has logged 20 complaints against Line 5, LLC overall, with 14 of those filed in the trailing 12 months. Reports have come from consumers in 12 states and territories, making this a geographically concentrated complaint footprint. The single largest complaint category is "Debt collection," 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 "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.

Line 5, LLC's timely response rate stands at 100%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Of complaints that were resolved, 0% closed with some form of monetary or non-monetary relief to the consumer.

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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

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 Line 5, LLC have?

Line 5, LLC has 20 total consumer complaints filed with the CFPB, with 14 filed in the last 12 months.

Does Line 5, LLC respond to complaints on time?

Line 5, LLC has a 100% timely response rate to CFPB complaints. This is considered excellent.

What product generates the most complaints for Line 5, LLC?

The most complained-about product for Line 5, LLC is "Debt collection." You can view the full product breakdown on this page.

What is the most common complaint issue with Line 5, LLC?

The most common issue reported by consumers about Line 5, LLC is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.

How do I file a complaint against Line 5, LLC?

You can file a complaint against Line 5, 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 Line 5, LLC?

Consumers in 12 states and territories have filed complaints about Line 5, LLC with the CFPB.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Related