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

CFPB complaint data Grade F 40 complaints

Lake City Credit - Debt Collector Complaint Profile

CFPB complaint profile across 14 states, reputation grade F.

Complaints by issue type

What consumers report about Lake City Credit

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 48.5/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: Lake City Credit ranks ahead of 12% of the 5,283 collectors PlainCollector grades - 88% keep a cleaner CFPB record, on 40 all-time complaints and a 75% timely-response rate.

12th pct
reputation rank of 5,283 graded collectors
40
CFPB complaints, all-time
75%
answered inside the CFPB window
0
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

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 "Attempts to collect debt not owed", narrowing to "Didn't receive enough information to verify debt". The company posts a 75% timely-response rate.

Complaints have been recorded across 14 states, led by Texas with 16 and Nevada with 3. Normalized against the full CFPB collector database, the reputation score of 48.5/100 places Lake City Credit in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

40

low-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

14

regional footprint

Timely response rate

75%

acceptable band

Reputation grade

F

48.5/100 composite

How does Lake City Credit's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

49 Bottom 12% higher than 12% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). This entry sits in this band. 50–60: 1,469 graded collectors (28%). Above this entry. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Lake City Credit versus the debt-collection vertical average.

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?

How does Lake City Credit compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Lake City Credit National average
Complaints (last 12 mo)lower is better
0
7
268
Timely-response ratehigher is better
75%
68%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-10 2021-07

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 12
Written notification about debt - 10
Took or threatened to take negative or legal action - 7
Communication tactics - 7
False statements or representation - 4

Where do complaints against Lake City Credit come from?

Lake City Credit's own per-state count, not a national baseline.

Top states by complaints against Lake City Credit

Across 14 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Lake City Credit contacts you

A grade of F signals how Lake City Credit's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Lake City Credit and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Lake City Credit ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Lake City Credit? ▼

The most common issue consumers report about Lake City Credit is "Attempts to collect debt not owed", 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), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.