Total CFPB complaints
468
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 468 complaints
FC HoldCo LLC — Debt Collector Complaint Profile
CFPB complaint profile across 31 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about FC HoldCo LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
148 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
77 complaints
- False statements or representation
False statements or representation
76 complaints
- Written notification about debt
Written notification about debt
67 complaints
- Communication tactics 43
Communication tactics
43 complaints
D
Grade D · 58.4/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about FC HoldCo LLC?
FC HoldCo LLC has accumulated 468 total CFPB complaints across 31 states, with 157 filed in the most recent 12 months against 311 historical complaints before that window. The trailing-12-month volume represents 33.5% 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 "False statements or representation", narrowing to "Attempted to collect wrong amount", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 14% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 31 states, led by Texas with 82 and Florida with 53, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 58.4/100 places FC HoldCo LLC in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
157
33.5% of total history
Rising ↑
States active
31
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
14%
After company response
Reputation grade
D
58.4/100 composite
Response-quality profile
How FC HoldCo LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 28.6%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 55.4%
Share of US states + territories with at least one filed complaint against this collector.
How does FC HoldCo LLC compare to its peers?
FC HoldCo LLC National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
False statements or representation76 (%)
Attempts to collect debt not owed148 (%)
Took or threatened to take negative or legal action77 (%)
Written notification about debt67 (%)
Communication tactics43 (%)
Most common issue: False statements or representation — Attempted to collect wrong amount
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| False statements or representation | Attempted to collect wrong amount | 76 |
| Attempts to collect debt not owed | Debt is not yours | 71 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 64 |
| Written notification about debt | Didn't receive enough information to verify debt | 45 |
| Attempts to collect debt not owed | Debt was result of identity theft | 42 |
| Attempts to collect debt not owed | Debt was paid | 35 |
| Communication tactics | Frequent or repeated calls | 34 |
| Written notification about debt | Didn't receive notice of right to dispute | 22 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 13 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 9 |
Where do complaints against FC HoldCo LLC come from?
The states where consumers have filed the most CFPB complaints against FC HoldCo LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against FC HoldCo LLC
Across 31 states with at least one filing
- Texas
Texas
82 complaints
- Florida
Florida
53 complaints
- Georgia
Georgia
51 complaints
- California
California
35 complaints
- Arizona 32
Arizona
32 complaints
- North Carolina 26
North Carolina
26 complaints
- Illinois 24
Illinois
24 complaints
- Maryland 18
Maryland
18 complaints
Frequently Asked Questions
What is the most common complaint against FC HoldCo LLC? ▼
The most common issue consumers report about FC HoldCo LLC is "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 468 complaints filed with the CFPB.
Are complaints against FC HoldCo LLC increasing or decreasing? ▼
Complaints against FC HoldCo LLC are rising. The company received 157 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). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 31 states, with the most complaints from Texas (82 complaints).
What can I do if FC HoldCo LLC is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If FC HoldCo LLC violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |