What is the most common complaint against Lake Area Collections, LLC?

The most common issue consumers report about Lake Area Collections, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 15 complaints filed with the CFPB.

Are complaints against Lake Area Collections, LLC increasing or decreasing?

Complaints against Lake Area Collections, LLC are falling. The company received 1 complaints in the last 12 months, showing improvement over prior periods.

What is Lake Area Collections, LLC's reputation grade?

Lake Area Collections, LLC has a reputation grade of D (score: 54.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Lake Area Collections, LLC respond to consumer complaints?

Lake Area Collections, LLC has a 50% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Lake Area Collections, LLC operate?

Lake Area Collections, LLC has received CFPB complaints from consumers in 5 states, with the most complaints from Louisiana (8 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Lake Area Collections, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 5 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

7
Disclosure verification of debt

3
Took or threatened to take negative or legal action

2
Written notification about debt

1
Communication tactics

1
Cont'd attempts collect debt not owed

1

Data updated September 2026

CFPB complaint disposition

CCDB record lake-area-collections-llc Lake Area Collections, LLC

Grade D · 15 CFPB filings · 50% timely · lead issue: Attempts to collect debt not owed · vol #2146 · compose #3529

VOL 15
GRADE D
12MO 1
STATES 5
TIMELY 50%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #2,146
COMPOSE #3,529

Volume peers

Nearest volume peer: Accounts Advocate Agency (15 complaints)

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

Lake Area Collections, LLC's 15 CFPB complaints sit next to Accounts Advocate Agency 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 →

State-heavy filing map

53.3% of Lake Area Collections, LLC's CFPB filings land in Louisiana

High volume does not equal a clean composite: Lake Area Collections, LLC is volume #2,146 but composite #3,529, while Louisiana dominates the geography. Corpus placement method.

Dominant state: Louisiana 53.3%; 8 of 15 filings · 5 states touched
Seasonal peak: 2014-05 12.5%; 8–15% band · 1 filings
Divergent corpus ranks: #2,146 volume; #3,529 composite; Cleanest-composite ladder is 1,383 places worse than volume

How does Lake Area Collections, LLC compare to its peers?

How does Lake Area Collections, LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Lake Area Collections,… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

50%

93%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-05 2026-02

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	7
Disclosure verification of debt	3
Took or threatened to take negative or legal action	2
Written notification about debt	1
Communication tactics	1
Cont'd attempts collect debt not owed	1

Where do complaints against Lake Area Collections, LLC come from?

Lake Area Collections, LLC's own per-state count, not a national baseline.

Louisiana

8
Texas

4
California

1
Florida

1
Mississippi

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Lake Area Collections, LLC: 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: 15.

4 peers

Know your rights before responding to Lake Area Collections, LLC: 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.