Total CFPB complaints
38
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 38 complaints
Five Lakes Law Group PLLC — Debt Collector Complaint Profile
CFPB complaint profile across 10 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Five Lakes Law Group PLLC
- Charged upfront or unexpected fees
Charged upfront or unexpected fees
15 complaints
- Didn't provide services promised
Didn't provide services promised
12 complaints
- Unauthorized withdrawals or charges 3
Unauthorized withdrawals or charges
3 complaints
- Confusing or misleading advertising or marketing 2
Confusing or misleading advertising or marketing
2 complaints
- Took or threatened to take negative or legal action 2
Took or threatened to take negative or legal action
2 complaints
- Confusing or missing disclosures 1
Confusing or missing disclosures
1 complaints
F
Grade F · 43.7/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Five Lakes Law Group PLLC?
Five Lakes Law Group PLLC has accumulated 38 total CFPB complaints across 10 states, with 26 filed in the most recent 12 months against 12 historical complaints before that window. The trailing-12-month volume represents 68.4% 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 "Charged upfront or unexpected fees", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 61% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 10 states, led by Illinois with 11 and Virginia with 7, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 43.7/100 places Five Lakes Law Group PLLC in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
26
68.4% of total history
Rising ↑
States active
10
Distinct state filings
Timely response rate
61%
Within CFPB SLA window
Reputation grade
F
43.7/100 composite
Response-quality profile
How Five Lakes Law Group PLLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 60.5%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 17.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Five Lakes Law Group PLLC compare to its peers?
Five Lakes Law Group P… 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)
2024-01 2026-02
Top Consumer Issues
Charged upfront or unexpected fees15 (%)
Didn't provide services promised12 (%)
Unauthorized withdrawals or charges3 (%)
Confusing or misleading advertising or marketing2 (%)
Confusing or missing disclosures1 (%)
Attempts to collect debt not owed1 (%)
Took or threatened to take negative or legal action2 (%)
False statements or representation1 (%)
Most common issue: Charged upfront or unexpected fees
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 |
|---|---|---|
| Charged upfront or unexpected fees | — | 15 |
| Didn't provide services promised | — | 12 |
| Unauthorized withdrawals or charges | — | 3 |
| Confusing or misleading advertising or marketing | — | 2 |
| Confusing or missing disclosures | — | 1 |
| Attempts to collect debt not owed | Debt was paid | 1 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Problem with customer service | — | 1 |
| Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | 1 |
Where do complaints against Five Lakes Law Group PLLC come from?
The states where consumers have filed the most CFPB complaints against Five Lakes Law Group PLLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Five Lakes Law Group PLLC
Across 10 states with at least one filing
- Illinois
Illinois
11 complaints
- Virginia
Virginia
7 complaints
- Georgia 4
Georgia
4 complaints
- Ohio 4
Ohio
4 complaints
- Kansas 3
Kansas
3 complaints
- West Virginia 2
West Virginia
2 complaints
- Connecticut 2
Connecticut
2 complaints
- South Carolina 2
South Carolina
2 complaints
Frequently Asked Questions
What is the most common complaint against Five Lakes Law Group PLLC? ▼
The most common issue consumers report about Five Lakes Law Group PLLC is "Charged upfront or unexpected fees". This is based on 38 complaints filed with the CFPB.
Are complaints against Five Lakes Law Group PLLC increasing or decreasing? ▼
Complaints against Five Lakes Law Group PLLC are rising. The company received 26 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Five Lakes Law Group PLLC's reputation grade? ▼
Five Lakes Law Group PLLC has a reputation grade of F (score: 43.7/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does Five Lakes Law Group PLLC respond to consumer complaints? ▼
Five Lakes Law Group PLLC has a 61% timely response rate to CFPB complaints.
In how many states does Five Lakes Law Group PLLC operate? ▼
Five Lakes Law Group PLLC has received CFPB complaints from consumers in 10 states, with the most complaints from Illinois (11 complaints).
What can I do if Five Lakes Law Group PLLC 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 Law Group PLLC 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 |