Total CFPB complaints
2
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 2 complaints
JLO Ventures LLC dba Car By U — Debt Collector Complaint Profile
CFPB complaint profile across 2 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about JLO Ventures LLC dba Car By U
- Written notification about debt
Written notification about debt
1 complaints
- False statements or representation
False statements or representation
1 complaints
A
Grade A · 77.4/100 composite
This collector has an excellent complaint record — very few complaints relative to its size, with high response rates.
What do CFPB complaints reveal about JLO Ventures LLC dba Car By U?
JLO Ventures LLC dba Car By U has accumulated 2 total CFPB complaints across 2 states, with 1 filed in the most recent 12 months against 1 historical complaints before that window. The trailing-12-month volume represents 50.0% 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 "Written notification about debt", narrowing to "Didn't receive enough information to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% 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 2 states, led by North Carolina with 1 and South Carolina 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 77.4/100 places JLO Ventures LLC dba Car By U in grade band A, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
1
50.0% of total history
Stable →
States active
2
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
A
77.4/100 composite
Response-quality profile
How JLO Ventures LLC dba Car By U performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 3.6%
Share of US states + territories with at least one filed complaint against this collector.
How does JLO Ventures LLC dba Car By U compare to its peers?
JLO Ventures LLC dba C… 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)
2025-01 2025-12
Top Consumer Issues
Written notification about debt1 (%)
False statements or representation1 (%)
Most common issue: Written notification about debt — Didn't receive enough information to verify debt
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 |
|---|---|---|
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
Where do complaints against JLO Ventures LLC dba Car By U come from?
The states where consumers have filed the most CFPB complaints against JLO Ventures LLC dba Car By U. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against JLO Ventures LLC dba Car By U
Across 2 states with at least one filing
- North Carolina
North Carolina
1 complaints
- South Carolina
South Carolina
1 complaints
Frequently Asked Questions
What is the most common complaint against JLO Ventures LLC dba Car By U? ▼
The most common issue consumers report about JLO Ventures LLC dba Car By U is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 2 complaints filed with the CFPB.
Are complaints against JLO Ventures LLC dba Car By U increasing or decreasing? ▼
Complaints against JLO Ventures LLC dba Car By U have been stable. The company received 1 complaints in the last 12 months.
What is JLO Ventures LLC dba Car By U's reputation grade? ▼
JLO Ventures LLC dba Car By U has a reputation grade of A (score: 77.4/100). This collector has an excellent complaint record — very few complaints relative to its size, with high response rates.
Does JLO Ventures LLC dba Car By U respond to consumer complaints? ▼
JLO Ventures LLC dba Car By U has a 100% timely response rate to CFPB complaints.
In how many states does JLO Ventures LLC dba Car By U operate? ▼
JLO Ventures LLC dba Car By U has received CFPB complaints from consumers in 2 states, with the most complaints from North Carolina (1 complaints).
What can I do if JLO Ventures LLC dba Car By U 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 JLO Ventures LLC dba Car By U 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 |