LCO Financial Services, LLC Consumer Complaints
LCO Financial Services, LLC has received 108 consumer complaints filed with the Consumer Financial Protection Bureau. Below is a complete breakdown by product, issue, company response pattern, and geographic distribution.
Data last updated: Apr 16, 2026Key Takeaways
- 108 total complaints on file with the CFPB.
- Most complaints are about Payday loan, title loan, or personal loan (100).
- Timely response rate: 98.1%.
- Consumer disputed rate: 0.0% of resolved complaints.
Complaints by Product
The following table shows how complaints against LCO Financial Services, LLC break down by financial product category.
| Product | Complaints | % of Total |
|---|---|---|
| Payday loan, title loan, or personal loan | 100 | 92.6% |
| Debt collection | 7 | 6.5% |
| Credit reporting, credit repair services, or other personal consumer reports | 1 | 0.9% |
Most Common Issues
These are the specific issues consumers most frequently report about LCO Financial Services, LLC.
Company Response Breakdown
When consumers file complaints, LCO Financial Services, LLC responds in one of several ways. The breakdown below shows how LCO Financial Services, LLC has resolved complaints.
| Response | Count | Percentage |
|---|---|---|
| Closed with explanation | 97 | 89.8% |
| Closed with monetary relief | 11 | 10.2% |
Complaints by State
Top states where consumers have filed complaints against LCO Financial Services, LLC.
| State | Complaints |
|---|---|
| California | 20 |
| Florida | 13 |
| Maryland | 7 |
| North Carolina | 7 |
| Oregon | 6 |
| Arizona | 5 |
| Colorado | 5 |
| Texas | 5 |
| Kentucky | 4 |
| Michigan | 4 |
| New Jersey | 4 |
| Indiana | 3 |
| Delaware | 2 |
| Illinois | 2 |
| Mississippi | 2 |
| Nebraska | 2 |
| Nevada | 2 |
| Ohio | 2 |
| South Carolina | 2 |
| Alabama | 1 |
Your Rights
What to do if you have a complaint against LCO Financial Services, LLC
- Contact LCO Financial Services, LLC directly. Many issues can be resolved by calling their customer service line or submitting a written complaint.
- File a complaint with the CFPB. Visit consumerfinance.gov/complaint. The company must respond within 15 days.
- File with your state attorney general. Your state AG's consumer protection division investigates patterns of complaint.
- Consult a consumer protection attorney. If you've suffered financial harm, an attorney can advise you on your legal options including potential lawsuits.
Frequently Asked Questions
-
How many complaints does LCO Financial Services, LLC have?
LCO Financial Services, LLC has 108 consumer complaints on file with the CFPB as of our last data refresh.
-
What is the most common complaint about LCO Financial Services, LLC?
The most common issue reported is Charged fees or interest you didn't expect with 55 complaints.
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How do I file a complaint against LCO Financial Services, LLC?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. The company is required to respond within 15 days. You can also contact your state attorney general or consult a consumer protection attorney.
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Does LCO Financial Services, LLC respond to complaints on time?
LCO Financial Services, LLC has a 98.1% timely response rate, meaning that percentage of complaints received a response within the CFPB's required timeframe.
Source: Consumer Financial Protection Bureau — Consumer Complaint Database. Accessed April 2026.