CFPB Consumer Complaint Profile
Winona Holdings, Inc.
What 12 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 12
- Total complaints
- Below average
- 1
- Last 12 months
- 0%
- Timely response
- Bottom decile
- 6
- States affected
The verdict
12 CFPB complaints put Winona Holdings, Inc. at #3492 out of 3,843 financial companies ranked by complaint volume. On-time replies land at 0%, the 0th percentile for the 100+ complaint peer group.
- #3492
- of 3,843 companies by volume
- 0%
- on time (0th pctile)
- Credit reporting or …
- most-complained product
- 6
- states with 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.
Winona Holdings, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
0% Among the lowest in the bottom 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
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 |
|---|---|
| 2016 | 1 |
| 2017 | 2 |
| 2018 | 2 |
| 2020 | 1 |
| 2021 | 1 |
| 2023 | 1 |
| 2024 | 2 |
| 2025 | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Winona Holdings, Inc.
The CFPB Consumer Complaint Database has logged 12 complaints against Winona Holdings, Inc. overall, with 1 of those filed in the trailing 12 months. Reports have come from consumers in 6 states and territories, making this a geographically concentrated complaint footprint. No product draws more complaints than "Credit reporting or other personal consumer reports," which sits at the top of the product breakdown. Inside that category, "Incorrect information on your report" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Winona Holdings, Inc.'s timely response rate stands at 0%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is well below the 95% industry benchmark and is a material red flag, late or missing responses are one of the strongest predictors of CFPB supervisory interest. Resolved cases drew a formal consumer-dispute rate of 0% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 0% closed with some form of monetary or non-monetary relief to the consumer.
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 Winona Holdings, Inc. have?
The CFPB has logged 12 complaints against Winona Holdings, Inc. to date, of which 1 came in over the last 12 months.
Does Winona Holdings, Inc. respond to complaints on time?
CFPB complaints against Winona Holdings, Inc. draw a 0% timely-response rate inside the expected window. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for Winona Holdings, Inc.?
"Credit reporting or other personal consumer reports" draws more CFPB complaints against Winona Holdings, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Winona Holdings, Inc.?
Consumers most often cite "Incorrect information on your report" when complaining about Winona Holdings, Inc.; the full issue list with counts is above.
How do I file a complaint against Winona Holdings, Inc.?
You can file a complaint against Winona Holdings, Inc. 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 Winona Holdings, Inc.?
The CFPB has recorded complaints against Winona Holdings, Inc. from 6 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Winona Holdings, Inc.: 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 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 Winona Holdings, Inc. have?
The CFPB has logged 12 complaints against Winona Holdings, Inc. to date, of which 1 came in over the last 12 months.
Does Winona Holdings, Inc. respond to complaints on time?
CFPB complaints against Winona Holdings, Inc. draw a 0% timely-response rate inside the expected window. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for Winona Holdings, Inc.?
"Credit reporting or other personal consumer reports" draws more CFPB complaints against Winona Holdings, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Winona Holdings, Inc.?
Consumers most often cite "Incorrect information on your report" when complaining about Winona Holdings, Inc.; the full issue list with counts is above.
How do I file a complaint against Winona Holdings, Inc.?
You can file a complaint against Winona Holdings, Inc. 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 Winona Holdings, Inc.?
The CFPB has recorded complaints against Winona Holdings, Inc. from 6 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.