Total CFPB complaints
22
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 22 complaints
MCU Holdings, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 16 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about MCU Holdings, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
7 complaints
- Communication tactics
Communication tactics
4 complaints
- Written notification about debt
Written notification about debt
4 complaints
- Threatened to contact someone or share information improperly 1
Threatened to contact someone or share information improperly
1 complaints
- False statements or representation 1
False statements or representation
1 complaints
- Took or threatened to take negative or legal action 1
Took or threatened to take negative or legal action
1 complaints
C
Grade C · 60.6/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about MCU Holdings, LLC?
MCU Holdings, LLC has accumulated 22 total CFPB complaints across 16 states, with 4 filed in the most recent 12 months against 18 historical complaints before that window. The trailing-12-month volume represents 18.2% 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 "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 16 states, led by California with 3 and Texas with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 60.6/100 places MCU Holdings, LLC 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
4
18.2% of total history
Rising ↑
States active
16
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
C
60.6/100 composite
Response-quality profile
How MCU Holdings, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 28.6%
Share of US states + territories with at least one filed complaint against this collector.
How does MCU Holdings, LLC compare to its peers?
MCU 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)
2018-04 2025-12
Top Consumer Issues
Attempts to collect debt not owed7 (%)
Communication tactics4 (%)
Written notification about debt4 (%)
Threatened to contact someone or share information improperly1 (%)
False statements or representation1 (%)
Took or threatened to take negative or legal action1 (%)
Electronic communications1 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 4 |
| Attempts to collect debt not owed | Debt was result of identity theft | 3 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 2 |
| Written notification about debt | Didn't receive enough information to verify debt | 2 |
| Communication tactics | Frequent or repeated calls | 2 |
| Written notification about debt | Didn't receive notice of right to dispute | 2 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 1 |
| False statements or representation | Indicated you were committing crime by not paying debt | 1 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 1 |
| Electronic communications | You told them to stop contacting you, but they keep trying | 1 |
Where do complaints against MCU Holdings, LLC come from?
The states where consumers have filed the most CFPB complaints against MCU Holdings, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against MCU Holdings, LLC
Across 16 states with at least one filing
- California
California
3 complaints
- Texas
Texas
2 complaints
- New York
New York
2 complaints
- New Jersey
New Jersey
2 complaints
- Florida 1
Florida
1 complaints
- Michigan 1
Michigan
1 complaints
- Louisiana 1
Louisiana
1 complaints
- Washington 1
Washington
1 complaints
Frequently Asked Questions
What is the most common complaint against MCU Holdings, LLC? ▼
The most common issue consumers report about MCU Holdings, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 22 complaints filed with the CFPB.
Are complaints against MCU Holdings, LLC increasing or decreasing? ▼
Complaints against MCU Holdings, LLC are rising. The company received 4 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is MCU Holdings, LLC's reputation grade? ▼
MCU Holdings, LLC has a reputation grade of C (score: 60.6/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does MCU Holdings, LLC respond to consumer complaints? ▼
MCU Holdings, LLC has a 100% timely response rate to CFPB complaints.
In how many states does MCU Holdings, LLC operate? ▼
MCU Holdings, LLC has received CFPB complaints from consumers in 16 states, with the most complaints from California (3 complaints).
What can I do if MCU 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 MCU 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 |