This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 506 complaints

FC HoldCo LLC - Debt Collector Complaint Profile

CFPB complaint profile across 32 states, reputation grade D.

Complaints by issue type

What consumers report about FC HoldCo LLC

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 58.4/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: FC HoldCo LLC ranks ahead of 36% of the 5,283 collectors PlainCollector grades - 64% keep a cleaner CFPB record, on 506 all-time complaints and a 100% timely-response rate.

36th pct
reputation rank of 5,283 graded collectors
506
CFPB complaints, all-time
100%
answered inside the CFPB window
159
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about FC HoldCo LLC?

FC HoldCo LLC has accumulated 506 total CFPB complaints across 32 states, with 159 filed in the most recent 12 months against 347 historical complaints before that window. The trailing-12-month volume represents 31.4% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Attempted to collect wrong amount". The company posts a 100% timely-response rate against a 14% consumer-dispute-after-response rate.

Complaints have been recorded across 32 states, led by Texas with 87 and Florida with 55. Normalized against the full CFPB collector database, the reputation score of 58.4/100 places FC HoldCo LLC in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

506

mid-volume (CCDB)

Last 12 months

159

31.4% of all-time complaints

Rising ↑

States active

32

multi-region footprint

Timely response rate

100%

excellent band

Consumer disputes

14%

average (vertical avg ~19%)

Reputation grade

D

58.4/100 composite

How does FC HoldCo LLC's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

58 36th percentile higher than 36% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

FC HoldCo LLC versus the debt-collection vertical average.

Timely response within SLA 99.8%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 14.3%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 57.1%

Share of US states + territories with at least one filed complaint against this collector.

How does FC HoldCo LLC compare to its peers?

How does FC HoldCo LLC compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
FC HoldCo LLC National average
Complaints (last 12 mo)lower is better
159
105
268
Timely-response ratehigher is better
100%
95%
91%
Consumer-dispute ratelower is better
14%
22%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-08 2026-02

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 170
Took or threatened to take negative or legal action - 99
False statements or representation - 83
Written notification about debt - 79
Communication tactics - 55
Cont'd attempts collect debt not owed - 8
Threatened to contact someone or share information improperly - 7
Taking/threatening an illegal action - 3
Improper contact or sharing of info - 2

Where do complaints against FC HoldCo LLC come from?

FC HoldCo LLC's own per-state count, not a national baseline.

Top states by complaints against FC HoldCo LLC

Across 32 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if FC HoldCo LLC contacts you

A grade of D signals how FC HoldCo LLC's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really FC HoldCo LLC and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how FC HoldCo LLC ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against FC HoldCo LLC? ▼

The most common issue consumers report about FC HoldCo LLC is "Attempts to collect debt not owed", specifically "Attempted to collect wrong amount". This is based on 506 complaints filed with the CFPB.

Are complaints against FC HoldCo LLC increasing or decreasing? ▼

Complaints against FC HoldCo LLC are rising. The company received 159 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is FC HoldCo LLC's reputation grade? ▼

FC HoldCo LLC has a reputation grade of D (score: 58.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does FC HoldCo LLC respond to consumer complaints? ▼

FC HoldCo LLC has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 14% of cases.

In how many states does FC HoldCo LLC operate? ▼

FC HoldCo LLC has received CFPB complaints from consumers in 32 states, with the most complaints from Texas (87 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.