Total CFPB complaints
14
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 14 complaints
Lake Area Collections, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 5 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Lake Area Collections, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
6 complaints
- Disclosure verification of debt
Disclosure verification of debt
3 complaints
- Took or threatened to take negative or legal action 2
Took or threatened to take negative or legal action
2 complaints
- Written notification about debt 1
Written notification about debt
1 complaints
- Communication tactics 1
Communication tactics
1 complaints
- Cont'd attempts collect debt not owed 1
Cont'd attempts collect debt not owed
1 complaints
D
Grade D · 58.5/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Lake Area Collections, LLC?
Lake Area Collections, LLC has accumulated 14 total CFPB complaints across 5 states, with 1 filed in the most recent 12 months against 13 historical complaints before that window. The trailing-12-month volume represents 7.1% 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 "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 50% timely-response rate against a 0% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 5 states, led by Louisiana with 7 and Texas with 4, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 58.5/100 places Lake Area Collections, LLC in grade band D, 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
7.1% of total history
Rising ↑
States active
5
Distinct state filings
Timely response rate
50%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
D
58.5/100 composite
Response-quality profile
How Lake Area Collections, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 50.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 8.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Lake Area Collections, LLC compare to its peers?
Lake Area Collections,… 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)
2014-10 2025-04
Top Consumer Issues
Attempts to collect debt not owed6 (%)
Disclosure verification of debt3 (%)
Took or threatened to take negative or legal action2 (%)
Written notification about debt1 (%)
Communication tactics1 (%)
Cont'd attempts collect debt not owed1 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 3 |
| Disclosure verification of debt | Not given enough info to verify debt | 3 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 2 |
| Attempts to collect debt not owed | Debt was paid | 2 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
| Communication tactics | Frequent or repeated calls | 1 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
Where do complaints against Lake Area Collections, LLC come from?
The states where consumers have filed the most CFPB complaints against Lake Area Collections, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Lake Area Collections, LLC
Across 5 states with at least one filing
- Louisiana
Louisiana
7 complaints
- Texas
Texas
4 complaints
- Mississippi 1
Mississippi
1 complaints
- Florida 1
Florida
1 complaints
- California 1
California
1 complaints
Frequently Asked Questions
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 14 complaints filed with the CFPB.
Are complaints against Lake Area Collections, LLC increasing or decreasing? ▼
Complaints against Lake Area Collections, LLC are rising. The company received 1 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Lake Area Collections, LLC's reputation grade? ▼
Lake Area Collections, LLC has a reputation grade of D (score: 58.5/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (7 complaints).
What can I do if Lake Area Collections, LLC 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 Lake Area Collections, LLC 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 |