What is the most common complaint against Winona Holdings, Inc.?

The most common issue consumers report about Winona Holdings, Inc. is "Attempts to collect debt not owed", specifically "Debt was paid". This is based on 7 complaints filed with the CFPB.

Are complaints against Winona Holdings, Inc. increasing or decreasing?

Complaints against Winona Holdings, Inc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Winona Holdings, Inc.'s reputation grade?

Winona Holdings, Inc. has a reputation grade of F (score: 41.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Winona Holdings, Inc. respond to consumer complaints?

Winona Holdings, Inc. has a 0% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Winona Holdings, Inc. operate?

Winona Holdings, Inc. has received CFPB complaints from consumers in 3 states, with the most complaints from California (5 complaints).

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

Winona Holdings, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 3 states, reputation grade F.

Compiled by PlainCollector

Attempts to collect debt not owed

3
Communication tactics

2
False statements or representation

1
Cont'd attempts collect debt not owed

1

Data updated September 2026

CFPB complaint disposition

CCDB record winona-holdings-inc Winona Holdings, Inc.

Grade F · 7 CFPB filings · 0% timely · lead issue: Attempts to collect debt not owed · vol #2898 · compose #4877

VOL 7
GRADE F
12MO 0
STATES 3
TIMELY 0%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #2,898
COMPOSE #4,877

Volume peers

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

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

Winona Holdings, Inc.'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 →

State-heavy filing map

71.4% of Winona Holdings, Inc.'s CFPB filings land in California

High volume does not equal a clean composite: Winona Holdings, Inc. is volume #2,898 but composite #4,877, while California dominates the geography. Corpus placement method.

Dominant state: California 71.4%; 5 of 7 filings · 3 states touched
Spike month: 2015-07 33.3%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #2,898 volume; #4,877 composite; Cleanest-composite ladder is 1,979 places worse than volume

How does Winona Holdings, Inc. compare to its peers?

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

Winona Holdings, Inc. National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

83%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-07 2017-09

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	3
Communication tactics	2
False statements or representation	1
Cont'd attempts collect debt not owed	1

Where do complaints against Winona Holdings, Inc. come from?

Winona Holdings, Inc.'s own per-state count, not a national baseline.

California

5
Ohio

1
Washington

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Winona Holdings, Inc.: 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 Winona Holdings, Inc.: 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.