Total CFPB complaints
6
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 6 complaints
Five Lakes Agency — Debt Collector Complaint Profile
CFPB complaint profile across 6 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Five Lakes Agency
- Improper contact or sharing of info
Improper contact or sharing of info
2 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
1 complaints
- False statements or representation
False statements or representation
1 complaints
- Disclosure verification of debt
Disclosure verification of debt
1 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
1 complaints
C
Grade C · 65.2/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Five Lakes Agency?
Five Lakes Agency has accumulated 6 total CFPB complaints across 6 states, with 0 filed in the most recent 12 months against 6 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Improper contact or sharing of info", narrowing to "Contacted me after I asked not to", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 67% timely-response rate against a 20% 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 6 states, led by Arizona with 1 and Maryland with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 65.2/100 places Five Lakes Agency in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
6
Distinct state filings
Timely response rate
67%
Within CFPB SLA window
Consumer disputes
20%
After company response
Reputation grade
C
65.2/100 composite
Response-quality profile
How Five Lakes Agency performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 66.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 40.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 10.7%
Share of US states + territories with at least one filed complaint against this collector.
How does Five Lakes Agency compare to its peers?
Five Lakes Agency 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)
2013-09 2018-03
Top Consumer Issues
Improper contact or sharing of info2 (%)
Cont'd attempts collect debt not owed1 (%)
False statements or representation1 (%)
Disclosure verification of debt1 (%)
Attempts to collect debt not owed1 (%)
Most common issue: Improper contact or sharing of info — Contacted me after I asked not to
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 |
|---|---|---|
| Improper contact or sharing of info | Contacted me after I asked not to | 1 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Improper contact or sharing of info | Talked to a third party about my debt | 1 |
| Disclosure verification of debt | Right to dispute notice not received | 1 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1 |
Where do complaints against Five Lakes Agency come from?
The states where consumers have filed the most CFPB complaints against Five Lakes Agency. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Five Lakes Agency
Across 6 states with at least one filing
- Arizona
Arizona
1 complaints
- Maryland
Maryland
1 complaints
- Washington
Washington
1 complaints
- Illinois
Illinois
1 complaints
- Florida
Florida
1 complaints
- Georgia
Georgia
1 complaints
Frequently Asked Questions
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 have been stable. The company received 0 complaints in the last 12 months.
What is Five Lakes Agency's reputation grade? ▼
Five Lakes Agency has a reputation grade of C (score: 65.2/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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).
What can I do if Five Lakes Agency 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 Five Lakes Agency 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 |