What is the most common complaint against Five Lakes Agency?

The most common issue consumers report about Five Lakes Agency is "Improper contact or sharing of info", specifically "Contacted me after I asked not to". This is based on 6 complaints filed with the CFPB.

Are complaints against Five Lakes Agency increasing or decreasing?

Complaints against Five Lakes Agency are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Five Lakes Agency's reputation grade?

Five Lakes Agency has a reputation grade of C (score: 61.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Five Lakes Agency respond to consumer complaints?

Five Lakes Agency has a 67% timely response rate to CFPB complaints. Consumers disputed the company's response in 20% of cases.

In how many states does Five Lakes Agency operate?

Five Lakes Agency has received CFPB complaints from consumers in 6 states, with the most complaints from Arizona (1 complaints).

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

Five Lakes Agency - Debt Collector Complaint Profile

CFPB complaint profile across 6 states, reputation grade C.

Compiled by PlainCollector

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

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 #2954 · compose #2235

VOL 6
GRADE C
12MO 0
STATES 6
TIMELY 67%
DISPUTE 20%
ISSUE Improper contact or sharin…
RANK #2,954
COMPOSE #2,235

Volume peers

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

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 →

Spiky monthly series

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

The 2016-09 spike coincides with a 719-place gap between volume rank #2,954 and composite #2,235. 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)
Divergent corpus ranks: #2,954 volume; #2,235 composite; Cleanest-composite ladder is 719 places better than volume

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

268

Timely-response ratehigher is better

67%

100%

91%

Consumer-dispute ratelower is better

20%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Arizona

1
Florida

1
Georgia

1
Illinois

1
Maryland

1
Washington

1

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.