What is the most common complaint against LCO Financial Services, LLC?

The most common issue consumers report about LCO Financial Services, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 7 complaints filed with the CFPB.

Are complaints against LCO Financial Services, LLC increasing or decreasing?

Complaints against LCO Financial Services, LLC are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is LCO Financial Services, LLC's reputation grade?

LCO Financial Services, LLC has a reputation grade of B (score: 64.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does LCO Financial Services, LLC respond to consumer complaints?

LCO Financial Services, LLC has a 100% timely response rate to CFPB complaints.

In how many states does LCO Financial Services, LLC operate?

LCO Financial Services, LLC has received CFPB complaints from consumers in 5 states, with the most complaints from Indiana (2 complaints).

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

LCO Financial Services, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 5 states, reputation grade B.

Compiled by PlainCollector

Attempts to collect debt not owed

2
Communication tactics

2
Threatened to contact someone or share information improperly

2
Written notification about debt

1

Data updated September 2026

CFPB complaint disposition

CCDB record lco-financial-services-llc LCO Financial Services, LLC

Grade B · 7 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #2840 · compose #1868

VOL 7
GRADE B
12MO 0
STATES 5
TIMELY 100%
ISSUE Attempts to collect debt n…
RANK #2,840
COMPOSE #1,868

Volume peers

Nearest volume peer: Account Services Inc. (7 complaints)

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

LCO Financial Services, LLC's 7 CFPB complaints sit next to Account Services 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

Indiana is the plurality state for LCO Financial Services, LLC (28.6%)

The 2023-04 spike coincides with a 972-place gap between volume rank #2,840 and composite #1,868. Corpus placement method.

Plurality state: Indiana 28.6%; Mid-band (15–30%) · 5 states with ≥1 filing
Spike month: 2023-04 18.2%; 2 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #2,840 volume; #1,868 composite; Cleanest-composite ladder is 972 places better than volume

How does LCO Financial Services, LLC compare to its peers?

How does LCO Financial Services, 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

LCO Financial Services… 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)

2014-11 2026-01

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	2
Communication tactics	2
Threatened to contact someone or share information improperly	2
Written notification about debt	1

Where do complaints against LCO Financial Services, LLC come from?

LCO Financial Services, LLC's own per-state count, not a national baseline.

Indiana

2
California

1
Illinois

1
Kentucky

1
Mississippi

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for LCO Financial Services, 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: 7.

4 peers

Know your rights before responding to LCO Financial Services, 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.