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

CFPB complaint data Grade C 6 complaints

Five Lakes Agency - Debt Collector Complaint Profile

CFPB complaint profile across 6 states, reputation grade C.

Complaints by issue type

What consumers report about Five Lakes Agency

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record five-lakes-agency Five Lakes Agency

Grade C · 6 CFPB filings · 67% timely · lead issue: Improper contact or sharing of info

  • VOL 6
  • GRADE C
  • 12MO 0
  • STATES 6
  • TIMELY 67%
  • DISPUTE 20%
  • ISSUE Improper contact or sharin…
  • RANK #2,954
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: 1 Stop Money Centers, LLC (6 complaints)

1 Stop Money Centers, LLC1 Stop Money Centers, LLC6Academic Solutions of NEW York, LLCAcademic Solutions of NEW Yo…6Account Outsourcing Group, LLCAccount Outsourcing Group, L…6Accounts Recovery Agency Inc.Accounts Recovery Agency Inc.6Five Lakes Agency (this)Five Lakes Agency (this)6
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Five Lakes Agency's 6 CFPB complaints sit next to 1 Stop Money Centers, LLC on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 6 complaints break down

Every complaint issue type on record for Five Lakes Agency, not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
61.0/100
Five Lakes Agency

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume C
6
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response B
67%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
20%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Spiky monthly series

Arizona is the plurality state for Five Lakes Agency (16.7%)

Peak share is this collector's company_monthly maximum divided by its own stored monthly total. Corpus placement method.

Plurality state
Arizona 16.7%
Mid-band (15–30%) · 6 states with ≥1 filing
Spike month
2016-09 20.8%
5 filings that month · spiky (≥15% of series)
Corpus ranks
#2,954 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Five Lakes Agency compare to its peers?

How does Five Lakes Agency compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Five Lakes Agency National average
Complaints (last 12 mo)lower is better
0
4
268
Timely-response ratehigher is better
67%
100%
91%
Consumer-dispute ratelower is better
20%
0%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Five Lakes Agency a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 5 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 0%50%100%150% 0%50%100%150% Timely response rate (%) Dispute rate (%) Five Lakes Agency vs. 4 similar-volume peers, by response speed and dispute rate Five Lakes AgencyFlagstar Bank, National AssociationGATEWAY FIRST BANKFIRST NIAGARA FINANCIAL GROUP, INC.General Recovery Services of WV, Inc.
Source: CFPB Consumer Complaint Database

Five Lakes Agency's complaint volume in context

Five Lakes Agency vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

6 45th percentile higher than 45% of 5,420 collectors

0–20: 3,504 collectors (65%). This entry sits in this band. 20–40: 565 collectors (10%). Above this entry. 40–60: 260 collectors (5%). Above this entry. 60–80: 163 collectors (3%). Above this entry. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Five Lakes Agency 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2016-02 2021-04

Issue Detail Breakdown

Issue Complaints
Improper contact or sharing of info
2
Attempts to collect debt not owed
1
False statements or representation
1
Cont'd attempts collect debt not owed
1
Disclosure verification of debt
1

Where do complaints against Five Lakes Agency come from?

Five Lakes Agency's own per-state count, not a national baseline.

Top states by complaints against Five Lakes Agency

Across 6 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Five Lakes Agency: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 6.

4 peers

Know your rights before responding to Five Lakes Agency: FDCPA rights guide · debt validation letter · rights library.

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

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

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.