Total CFPB complaints
49
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 49 complaints
Liberty Holdings, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 12 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Liberty Holdings, LLC
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
10 complaints
- Taking/threatening an illegal action
Taking/threatening an illegal action
9 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
4 complaints
- Attempts to collect debt not owed 3
Attempts to collect debt not owed
3 complaints
- Communication tactics 3
Communication tactics
3 complaints
- Disclosure verification of debt 3
Disclosure verification of debt
3 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 Liberty Holdings, LLC?
Liberty Holdings, LLC has accumulated 49 total CFPB complaints across 12 states, with 1 filed in the most recent 12 months against 48 historical complaints before that window. The trailing-12-month volume represents 2.0% 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 "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 55% timely-response rate against a 18% 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 12 states, led by Colorado with 17 and Oregon with 10, 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 Liberty Holdings, LLC 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
1
2.0% of total history
Rising ↑
States active
12
Distinct state filings
Timely response rate
55%
Within CFPB SLA window
Consumer disputes
18%
After company response
Reputation grade
F
48.5/100 composite
Response-quality profile
How Liberty Holdings, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 55.1%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 36.4%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 21.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Liberty Holdings, LLC compare to its peers?
Liberty Holdings, LLC 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)
2014-05 2025-08
Top Consumer Issues
Cont'd attempts collect debt not owed10 (%)
Taking/threatening an illegal action9 (%)
Took or threatened to take negative or legal action4 (%)
Attempts to collect debt not owed3 (%)
Communication tactics3 (%)
Disclosure verification of debt3 (%)
Threatened to contact someone or share information improperly2 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt is not mine
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 |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt is not mine | 6 |
| Cont'd attempts collect debt not owed | Debt was paid | 4 |
| Taking/threatening an illegal action | Threatened to sue on too old debt | 4 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 4 |
| Taking/threatening an illegal action | Sued w/o proper notification of suit | 3 |
| Attempts to collect debt not owed | Debt is not yours | 3 |
| Communication tactics | Frequent or repeated calls | 3 |
| Disclosure verification of debt | Not given enough info to verify debt | 3 |
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 2 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 2 |
Where do complaints against Liberty Holdings, LLC come from?
The states where consumers have filed the most CFPB complaints against Liberty Holdings, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Liberty Holdings, LLC
Across 12 states with at least one filing
- Colorado
Colorado
17 complaints
- Oregon
Oregon
10 complaints
- Utah 6
Utah
6 complaints
- California 4
California
4 complaints
- Washington 3
Washington
3 complaints
- Texas 3
Texas
3 complaints
- Alabama 1
Alabama
1 complaints
- Georgia 1
Georgia
1 complaints
Frequently Asked Questions
What is the most common complaint against Liberty Holdings, LLC? ▼
The most common issue consumers report about Liberty Holdings, LLC is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 49 complaints filed with the CFPB.
Are complaints against Liberty Holdings, LLC increasing or decreasing? ▼
Complaints against Liberty Holdings, LLC are rising. The company received 1 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Liberty Holdings, LLC's reputation grade? ▼
Liberty Holdings, LLC 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 Liberty Holdings, LLC respond to consumer complaints? ▼
Liberty Holdings, LLC has a 55% timely response rate to CFPB complaints. Consumers disputed the company's response in 18% of cases.
In how many states does Liberty Holdings, LLC operate? ▼
Liberty Holdings, LLC has received CFPB complaints from consumers in 12 states, with the most complaints from Colorado (17 complaints).
What can I do if Liberty Holdings, 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 Liberty Holdings, 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 |