What is the most common complaint against Lincoln Financial Services?

The most common issue consumers report about Lincoln Financial Services is "Attempts to collect debt not owed", specifically "You told them to stop contacting you, but they keep trying". This is based on 4 complaints filed with the CFPB.

Are complaints against Lincoln Financial Services increasing or decreasing?

Complaints against Lincoln Financial Services are rising. The company received 2 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Lincoln Financial Services's reputation grade?

Lincoln Financial Services has a reputation grade of D (score: 51.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Lincoln Financial Services respond to consumer complaints?

Lincoln Financial Services has a 50% timely response rate to CFPB complaints.

In how many states does Lincoln Financial Services operate?

Lincoln Financial Services has received CFPB complaints from consumers in 4 states, with the most complaints from Alabama (1 complaints).

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

Lincoln Financial Services - Debt Collector Complaint Profile

CFPB complaint profile across 4 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

2
False statements or representation

1
Communication tactics

1

Data updated September 2026

CFPB complaint disposition

CCDB record lincoln-financial-services Lincoln Financial Services

Grade D · 4 CFPB filings · 50% timely · lead issue: Attempts to collect debt not owed · vol #3415 · compose #3900

VOL 4
GRADE D
12MO 2
STATES 4
TIMELY 50%
ISSUE Attempts to collect debt n…
RANK #3,415
COMPOSE #3,900

Volume peers

Nearest volume peer: 90 Day Credit Experts (4 complaints)

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

Lincoln Financial Services's 4 CFPB complaints sit next to 90 Day Credit Experts 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

Alabama is the plurality state for Lincoln Financial Services (25.0%)

Peak share is this collector's company_monthly maximum divided by its own stored monthly total. Corpus placement method.

Plurality state: Alabama 25.0%; Mid-band (15–30%) · 4 states with ≥1 filing
Spike month: 2025-12 16.7%; 2 filings that month · spiky (≥15% of series)
Corpus ranks: #3,415 volume; #3,900 composite; Among 5,420 volume-ranked / 5,278 scored collectors

How does Lincoln Financial Services compare to its peers?

How does Lincoln Financial Services compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Lincoln Financial Serv… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

50%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-02 2025-12

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	2
False statements or representation	1
Communication tactics	1

Where do complaints against Lincoln Financial Services come from?

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

Alabama

1
California

1
Utah

1
Washington

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Lincoln Financial Services: 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: 4.

4 peers

Know your rights before responding to Lincoln Financial Services: 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.