Total CFPB complaints
29
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 29 complaints
FCC Finance, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 11 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about FCC Finance, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
10 complaints
- False statements or representation
False statements or representation
6 complaints
- Communication tactics
Communication tactics
5 complaints
- Took or threatened to take negative or legal action 3
Took or threatened to take negative or legal action
3 complaints
- Written notification about debt 3
Written notification about debt
3 complaints
- Cont'd attempts collect debt not owed 1
Cont'd attempts collect debt not owed
1 complaints
D
Grade D · 57.7/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about FCC Finance, LLC?
FCC Finance, LLC has accumulated 29 total CFPB complaints across 11 states, with 11 filed in the most recent 12 months against 18 historical complaints before that window. The trailing-12-month volume represents 37.9% 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 97% timely-response rate against a 50% 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 11 states, led by Georgia with 10 and Texas with 6, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.7/100 places FCC Finance, 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
11
37.9% of total history
Rising ↑
States active
11
Distinct state filings
Timely response rate
97%
Within CFPB SLA window
Consumer disputes
50%
After company response
Reputation grade
D
57.7/100 composite
Response-quality profile
How FCC Finance, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 96.6%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 100.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 19.6%
Share of US states + territories with at least one filed complaint against this collector.
How does FCC Finance, LLC compare to its peers?
FCC Finance, 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)
2016-09 2026-03
Top Consumer Issues
False statements or representation6 (%)
Communication tactics5 (%)
Attempts to collect debt not owed10 (%)
Took or threatened to take negative or legal action3 (%)
Written notification about debt3 (%)
Cont'd attempts collect debt not owed1 (%)
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 | 6 |
| Communication tactics | Frequent or repeated calls | 5 |
| Attempts to collect debt not owed | Debt is not yours | 4 |
| Attempts to collect debt not owed | Debt was result of identity theft | 3 |
| Attempts to collect debt not owed | Debt was paid | 3 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 2 |
| Written notification about debt | Didn't receive enough information to verify debt | 2 |
| Cont'd attempts collect debt not owed | Debt resulted from identity theft | 1 |
| Written notification about debt | Didn't receive notice of right to dispute | 1 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 1 |
Where do complaints against FCC Finance, LLC come from?
The states where consumers have filed the most CFPB complaints against FCC Finance, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against FCC Finance, LLC
Across 11 states with at least one filing
- Georgia
Georgia
10 complaints
- Texas
Texas
6 complaints
- New Jersey 2
New Jersey
2 complaints
- Michigan 2
Michigan
2 complaints
- Maryland 2
Maryland
2 complaints
- Florida 2
Florida
2 complaints
- Connecticut 1
Connecticut
1 complaints
- Hawaii 1
Hawaii
1 complaints
Frequently Asked Questions
What is the most common complaint against FCC Finance, LLC? ▼
The most common issue consumers report about FCC Finance, LLC is "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 29 complaints filed with the CFPB.
Are complaints against FCC Finance, LLC increasing or decreasing? ▼
Complaints against FCC Finance, LLC are rising. The company received 11 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is FCC Finance, LLC's reputation grade? ▼
FCC Finance, LLC has a reputation grade of D (score: 57.7/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does FCC Finance, LLC respond to consumer complaints? ▼
FCC Finance, LLC has a 97% timely response rate to CFPB complaints. Consumers disputed the company's response in 50% of cases.
In how many states does FCC Finance, LLC operate? ▼
FCC Finance, LLC has received CFPB complaints from consumers in 11 states, with the most complaints from Georgia (10 complaints).
What can I do if FCC Finance, 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 FCC Finance, 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 |