What is the most common complaint against Lac Courte Oreilles Financial Services II?

The most common issue consumers report about Lac Courte Oreilles Financial Services II is "Communication tactics", specifically "Called before 8am or after 9pm". This is based on 5 complaints filed with the CFPB.

Are complaints against Lac Courte Oreilles Financial Services II increasing or decreasing?

Complaints against Lac Courte Oreilles Financial Services II are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Lac Courte Oreilles Financial Services II's reputation grade?

Lac Courte Oreilles Financial Services II has a reputation grade of B (score: 66.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Lac Courte Oreilles Financial Services II respond to consumer complaints?

Lac Courte Oreilles Financial Services II has a 100% timely response rate to CFPB complaints.

In how many states does Lac Courte Oreilles Financial Services II operate?

Lac Courte Oreilles Financial Services II has received CFPB complaints from consumers in 5 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.

Lac Courte Oreilles Financial Services II - Debt Collector Complaint Profile

CFPB complaint profile across 5 states, reputation grade B.

Compiled by PlainCollector

Communication tactics

3
False statements or representation

1
Electronic communications

1

Data updated September 2026

CFPB complaint disposition

CCDB record lac-courte-oreilles-financial-services-ii Lac Courte Oreilles Financial Services II

Grade B · 5 CFPB filings · 100% timely · lead issue: Communication tactics · vol #3164 · compose #1629

VOL 5
GRADE B
12MO 0
STATES 5
TIMELY 100%
ISSUE Communication tactics
RANK #3,164
COMPOSE #1,629

Volume peers

Nearest volume peer: Aaron Worldwide Collections Inc. (5 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Lac Courte Oreilles Financial Services II's 5 CFPB complaints sit next to Aaron Worldwide Collections Inc. 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 Lac Courte Oreilles Financial Services II (20.0%)

The 2021-03 spike coincides with a 1,535-place gap between volume rank #3,164 and composite #1,629. Corpus placement method.

Plurality state: Arizona 20.0%; Mid-band (15–30%) · 5 states with ≥1 filing
Spike month: 2021-03 40.0%; 2 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #3,164 volume; #1,629 composite; Cleanest-composite ladder is 1,535 places better than volume

How does Lac Courte Oreilles Financial Services II compare to its peers?

How does Lac Courte Oreilles Financial Services II compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Lac Courte Oreilles Fi… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

80%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2020-12 2022-04

Issue Detail Breakdown

Issue	Complaints
Communication tactics	3
False statements or representation	1
Electronic communications	1

Where do complaints against Lac Courte Oreilles Financial Services II come from?

Lac Courte Oreilles Financial Services II's own per-state count, not a national baseline.

Arizona

1
California

1
South Carolina

1
Tennessee

1
Washington

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Lac Courte Oreilles Financial Services II: 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: 5.

4 peers

Know your rights before responding to Lac Courte Oreilles Financial Services II: 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.