CFPB Consumer Complaint Profile
NCD Financial, LLC
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
- 67
- Total complaints
- Mid-range
- 18
- Last 12 months
- 100%
- Timely response
- Top decile
- 21
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, NCD Financial, LLC sits at #1580. On response speed it sits at the 86th percentile among companies with 100+ complaints.
- Credit reporting or …
- most-complained product
- FL
- 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.
NCD Financial, 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
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2021 | 7 |
| 2022 | 15 |
| 2023 | 9 |
| 2024 | 17 |
| 2025 | 19 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for NCD Financial, LLC
The CFPB Consumer Complaint Database shows a multi-regional complaint footprint for NCD Financial, LLC, with consumers across the country filing against it. The single largest complaint category is "Credit reporting or other personal consumer reports," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Incorrect information on your report," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, the timely-response measure shows how often forwarded complaints get a reply. This company's rate is at or above the industry benchmark, which suggests its intake and escalation processes are functioning as designed. 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 Credit reporting or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does NCD Financial, LLC have?
67 complaints have been filed against NCD Financial, LLC with the CFPB overall - 18 of them in the past year.
Does NCD Financial, LLC respond to complaints on time?
NCD Financial, LLC's CFPB timely-response rate is 100%. This is considered excellent.
What product generates the most complaints for NCD Financial, LLC?
"Credit reporting or other personal consumer reports" draws more CFPB complaints against NCD Financial, LLC than any other product - see the full breakdown above.
What is the most common complaint issue with NCD Financial, LLC?
The most common issue reported by consumers about NCD Financial, LLC is "Incorrect information on your report." All complaint issues are listed above with their counts.
How do I file a complaint against NCD Financial, LLC?
You can file a complaint against NCD Financial, 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 NCD Financial, LLC?
The CFPB has recorded complaints against NCD Financial, LLC from 21 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.