CFPB Consumer Complaint Profile
MCU Holdings, LLC
Consumers have filed 23 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 23
- Total complaints
- Mid-range
- 4
- Last 12 months
- 100%
- Timely response
- Top decile
- 16
- States affected
The verdict
23 CFPB complaints put MCU Holdings, LLC at #2678 out of 3,843 financial companies ranked by complaint volume. On-time replies land at 100%, the 86th percentile for the 100+ complaint peer group.
- #2678
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Debt collection
- most-complained product
- 16
- 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.
MCU Holdings, LLC 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
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2018 | 1 |
| 2019 | 3 |
| 2020 | 1 |
| 2021 | 4 |
| 2023 | 6 |
| 2024 | 3 |
| 2025 | 5 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for MCU Holdings, LLC
The CFPB Consumer Complaint Database has logged 23 complaints against MCU Holdings, LLC overall, with 4 of those filed in the trailing 12 months. Reports have come from consumers in 16 states and territories, making this a multi-regional complaint footprint. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Attempts to collect debt not owed" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
CFPB-forwarded complaints against MCU Holdings, LLC draw a 100% reply rate inside the Bureau's 15-day window. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 0% rate.
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 MCU Holdings, LLC have?
The CFPB has logged 23 complaints against MCU Holdings, LLC to date, of which 4 came in over the last 12 months.
Does MCU Holdings, LLC respond to complaints on time?
CFPB complaints against MCU Holdings, LLC draw a 100% timely-response rate inside the expected window. This is considered excellent.
What product generates the most complaints for MCU Holdings, LLC?
"Debt collection" draws more CFPB complaints against MCU Holdings, LLC than any other product - see the full breakdown above.
What is the most common complaint issue with MCU Holdings, LLC?
Consumers most often cite "Attempts to collect debt not owed" when complaining about MCU Holdings, LLC; the full issue list with counts is above.
How do I file a complaint against MCU Holdings, LLC?
You can file a complaint against MCU Holdings, 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 MCU Holdings, LLC?
Consumers in 16 states and territories have filed complaints about MCU Holdings, LLC with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does MCU Holdings, LLC have?
The CFPB has logged 23 complaints against MCU Holdings, LLC to date, of which 4 came in over the last 12 months.
Does MCU Holdings, LLC respond to complaints on time?
CFPB complaints against MCU Holdings, LLC draw a 100% timely-response rate inside the expected window. This is considered excellent.
What product generates the most complaints for MCU Holdings, LLC?
"Debt collection" draws more CFPB complaints against MCU Holdings, LLC than any other product - see the full breakdown above.
What is the most common complaint issue with MCU Holdings, LLC?
Consumers most often cite "Attempts to collect debt not owed" when complaining about MCU Holdings, LLC; the full issue list with counts is above.
How do I file a complaint against MCU Holdings, LLC?
You can file a complaint against MCU Holdings, 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 MCU Holdings, LLC?
Consumers in 16 states and territories have filed complaints about MCU Holdings, LLC with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.