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

Data updated July 2026

C

Grade C · 65.2/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of C: Five Lakes Agency ranks ahead of 59% of the 5,283 collectors PlainCollector grades - 41% keep a cleaner CFPB record, on 6 all-time complaints and a 67% timely-response rate.

59th pct
reputation rank of 5,283 graded collectors
6
CFPB complaints, all-time
67%
answered inside the CFPB window
0
in the last 12 months (falling)

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 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 falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Improper contact or sharing of info", narrowing to "Contacted me after I asked not to". The company posts a 67% timely-response rate against a 20% consumer-dispute-after-response rate.

Complaints have been recorded across 6 states, led by Arizona with 1 and Florida with 1. Normalized against the full CFPB collector database, the reputation score of 65.2/100 places Five Lakes Agency in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

6

low-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

6

regional footprint

Timely response rate

67%

below sla band

Consumer disputes

20%

elevated (vertical avg ~19%)

Reputation grade

C

65.2/100 composite

How does Five Lakes Agency's reputation rank nationally?

Reputation score vs. every graded collector

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

65 59th percentile higher than 59% 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%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 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

Five Lakes Agency versus the debt-collection vertical average.

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) 20.0%
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?

How does Five Lakes Agency compare? Versus a similar-volume peer and the national average, 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.

Complaint Trend (24 months)

2016-02 2021-04

Issue Detail Breakdown

Issue Sub-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

What to do if Five Lakes Agency contacts you

A grade of C signals how Five Lakes Agency'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 Five Lakes Agency 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 Five Lakes Agency 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 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: 65.2/100), 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).

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.