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

CFPB complaint data Grade D 32 complaints

FCC Finance, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 12 states, reputation grade D.

Complaints by issue type

What consumers report about FCC Finance, LLC

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 57.7/100 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: FCC Finance, LLC ranks ahead of 34% of the 5,283 collectors PlainCollector grades - 66% keep a cleaner CFPB record, on 32 all-time complaints and a 97% timely-response rate.

34th pct
reputation rank of 5,283 graded collectors
32
CFPB complaints, all-time
97%
answered inside the CFPB window
12
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 FCC Finance, LLC?

FCC Finance, LLC has accumulated 32 total CFPB complaints across 12 states, with 12 filed in the most recent 12 months against 20 historical complaints before that window. The trailing-12-month volume represents 37.5% 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 "Attempts to collect debt not owed", narrowing to "Attempted to collect wrong amount". The company posts a 97% timely-response rate against a 50% consumer-dispute-after-response rate.

Complaints have been recorded across 12 states, led by Georgia with 11 and Texas with 6. Normalized against the full CFPB collector database, the reputation score of 57.7/100 places FCC Finance, LLC in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

32

low-volume (CCDB)

Last 12 months

12

37.5% of all-time complaints

Rising ↑

States active

12

regional footprint

Timely response rate

97%

excellent band

Consumer disputes

50%

high (vertical avg ~19%)

Reputation grade

D

57.7/100 composite

How does FCC Finance, LLC's reputation rank nationally?

Reputation score vs. every graded collector

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

58 34th percentile higher than 34% 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

FCC Finance, LLC versus the debt-collection vertical average.

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) 50.0%
Vertical avg

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

State coverage breadth 21.4%

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

How does FCC Finance, LLC compare to its peers?

How does FCC Finance, LLC compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
FCC Finance, LLC National average
Complaints (last 12 mo)lower is better
12
1
268
Timely-response ratehigher is better
97%
97%
91%
Consumer-dispute ratelower is better
50%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2021-08 2026-01

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 11
False statements or representation - 7
Communication tactics - 6
Written notification about debt - 4
Took or threatened to take negative or legal action - 3
Cont'd attempts collect debt not owed - 1

Where do complaints against FCC Finance, LLC come from?

FCC Finance, LLC's own per-state count, not a national baseline.

Top states by complaints against FCC Finance, LLC

Across 12 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if FCC Finance, LLC contacts you

A grade of D signals how FCC Finance, 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 FCC Finance, 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 FCC Finance, 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 FCC Finance, LLC? ▼

The most common issue consumers report about FCC Finance, LLC is "Attempts to collect debt not owed", specifically "Attempted to collect wrong amount". This is based on 32 complaints filed with the CFPB.

Are complaints against FCC Finance, LLC increasing or decreasing? ▼

Complaints against FCC Finance, LLC are rising. The company received 12 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), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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 12 states, with the most complaints from Georgia (11 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.