Total CFPB complaints
55
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 55 complaints
LCS FINANCIAL SERVICES CORPORATION — Debt Collector Complaint Profile
CFPB complaint profile across 21 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about LCS FINANCIAL SERVICES CORPORATION
- Attempts to collect debt not owed
Attempts to collect debt not owed
11 complaints
- Communication tactics
Communication tactics
9 complaints
- False statements or representation
False statements or representation
8 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
8 complaints
- Disclosure verification of debt 3
Disclosure verification of debt
3 complaints
C
Grade C · 65.3/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about LCS FINANCIAL SERVICES CORPORATION?
LCS FINANCIAL SERVICES CORPORATION has accumulated 55 total CFPB complaints across 21 states, with 8 filed in the most recent 12 months against 47 historical complaints before that window. The trailing-12-month volume represents 14.5% 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 "False statements or representation", narrowing to "Attempted to collect wrong amount", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 98% timely-response rate against a 9% 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 21 states, led by Texas with 6 and California with 6, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 65.3/100 places LCS FINANCIAL SERVICES CORPORATION in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
8
14.5% of total history
Falling ↓
States active
21
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Consumer disputes
9%
After company response
Reputation grade
C
65.3/100 composite
Response-quality profile
How LCS FINANCIAL SERVICES CORPORATION performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 98.2%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 18.2%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 37.5%
Share of US states + territories with at least one filed complaint against this collector.
How does LCS FINANCIAL SERVICES CORPORATION compare to its peers?
LCS FINANCIAL SERVICES… 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)
2022-05 2026-03
Top Consumer Issues
False statements or representation8 (%)
Attempts to collect debt not owed11 (%)
Communication tactics9 (%)
Took or threatened to take negative or legal action8 (%)
Disclosure verification of debt3 (%)
Most common issue: False statements or representation — Attempted to collect wrong amount
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 |
|---|---|---|
| False statements or representation | Attempted to collect wrong amount | 8 |
| Attempts to collect debt not owed | Debt is not yours | 7 |
| Communication tactics | Frequent or repeated calls | 5 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 4 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 3 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 3 |
| Disclosure verification of debt | Not given enough info to verify debt | 3 |
| Attempts to collect debt not owed | Debt was result of identity theft | 2 |
| 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 |
Where do complaints against LCS FINANCIAL SERVICES CORPORATION come from?
The states where consumers have filed the most CFPB complaints against LCS FINANCIAL SERVICES CORPORATION. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against LCS FINANCIAL SERVICES CORPORATION
Across 21 states with at least one filing
- Texas
Texas
6 complaints
- California
California
6 complaints
- Georgia
Georgia
5 complaints
- Virginia
Virginia
5 complaints
- Arizona
Arizona
4 complaints
- Illinois
Illinois
3 complaints
- Florida
Florida
3 complaints
- North Carolina
North Carolina
3 complaints
Frequently Asked Questions
What is the most common complaint against LCS FINANCIAL SERVICES CORPORATION? ▼
The most common issue consumers report about LCS FINANCIAL SERVICES CORPORATION is "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 55 complaints filed with the CFPB.
Are complaints against LCS FINANCIAL SERVICES CORPORATION increasing or decreasing? ▼
Complaints against LCS FINANCIAL SERVICES CORPORATION are falling. The company received 8 complaints in the last 12 months, showing improvement over prior periods.
What is LCS FINANCIAL SERVICES CORPORATION's reputation grade? ▼
LCS FINANCIAL SERVICES CORPORATION has a reputation grade of C (score: 65.3/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does LCS FINANCIAL SERVICES CORPORATION respond to consumer complaints? ▼
LCS FINANCIAL SERVICES CORPORATION has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 9% of cases.
In how many states does LCS FINANCIAL SERVICES CORPORATION operate? ▼
LCS FINANCIAL SERVICES CORPORATION has received CFPB complaints from consumers in 21 states, with the most complaints from Texas (6 complaints).
What can I do if LCS FINANCIAL SERVICES CORPORATION 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 LCS FINANCIAL SERVICES CORPORATION 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 |