Total CFPB complaints
40
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 40 complaints
Lake City Credit — Debt Collector Complaint Profile
CFPB complaint profile across 14 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Lake City Credit
- Attempts to collect debt not owed
Attempts to collect debt not owed
12 complaints
- Written notification about debt
Written notification about debt
10 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
7 complaints
- Communication tactics
Communication tactics
7 complaints
- False statements or representation 4
False statements or representation
4 complaints
F
Grade F · 48.5/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Lake City Credit?
Lake City Credit has accumulated 40 total CFPB complaints across 14 states, with 0 filed in the most recent 12 months against 40 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
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 75% 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 14 states, led by Texas with 16 and Pennsylvania with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 48.5/100 places Lake City Credit 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
0
0.0% of total history
Falling ↓
States active
14
Distinct state filings
Timely response rate
75%
Within CFPB SLA window
Reputation grade
F
48.5/100 composite
Response-quality profile
How Lake City Credit performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 75.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 25.0%
Share of US states + territories with at least one filed complaint against this collector.
How does Lake City Credit compare to its peers?
Lake City Credit 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)
2019-04 2024-07
Top Consumer Issues
Written notification about debt10 (%)
Attempts to collect debt not owed12 (%)
Took or threatened to take negative or legal action7 (%)
False statements or representation4 (%)
Communication tactics7 (%)
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 | 8 |
| Attempts to collect debt not owed | Debt is not yours | 6 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 6 |
| False statements or representation | Attempted to collect wrong amount | 4 |
| Attempts to collect debt not owed | Debt was paid | 4 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 4 |
| Communication tactics | Frequent or repeated calls | 3 |
| Attempts to collect debt not owed | Debt was result of identity theft | 2 |
| Written notification about debt | Didn't receive notice of right to dispute | 2 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
Where do complaints against Lake City Credit come from?
The states where consumers have filed the most CFPB complaints against Lake City Credit. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Lake City Credit
Across 14 states with at least one filing
- Texas
Texas
16 complaints
- Pennsylvania 3
Pennsylvania
3 complaints
- Nevada 3
Nevada
3 complaints
- Virginia 3
Virginia
3 complaints
- Oregon 2
Oregon
2 complaints
- Ohio 2
Ohio
2 complaints
- Colorado 2
Colorado
2 complaints
- Tennessee 2
Tennessee
2 complaints
Frequently Asked Questions
What is the most common complaint against Lake City Credit? ▼
The most common issue consumers report about Lake City Credit is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 40 complaints filed with the CFPB.
Are complaints against Lake City Credit increasing or decreasing? ▼
Complaints against Lake City Credit are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.
What is Lake City Credit's reputation grade? ▼
Lake City Credit has a reputation grade of F (score: 48.5/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does Lake City Credit respond to consumer complaints? ▼
Lake City Credit has a 75% timely response rate to CFPB complaints.
In how many states does Lake City Credit operate? ▼
Lake City Credit has received CFPB complaints from consumers in 14 states, with the most complaints from Texas (16 complaints).
What can I do if Lake City Credit 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 City Credit 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 |