Home → Lenders → LDF Holdings, LLC
Lac du Flambeau Band affiliate
Share of complaints that ended with money back
1.98%
Of the 807 complaints recorded against LDF Holdings, LLC in the CFPB database, 16 were closed with monetary relief. Read this as one figure from a public dataset, not a grade: it is not adjusted for how many customers or loans a company has, its product mix, complaint severity, or how each firm classifies its responses — so it should not be read as this lender treating people better or worse than another.
Issue categories as selected by borrowers on the CFPB complaint form.
| Issue | Complaints | Share |
|---|---|---|
| Charged fees or interest you didn't expect | 376 | 46.6% |
| Struggling to pay your loan | 189 | 23.4% |
| Received a loan you didn't apply for | 59 | 7.3% |
| Problem with the payoff process at the end of the loan | 46 | 5.7% |
| Can't stop withdrawals from your bank account | 37 | 4.6% |
| Getting the loan | 21 | 2.6% |
The outcome the CFPB recorded for each complaint after the company responded.
| Outcome | Complaints | Share |
|---|---|---|
| Closed with explanation The company stated its position; nothing changed for the borrower. | 756 | 93.7% |
| Closed with non-monetary relief A non-cash fix (e.g. a correction or a stopped practice). | 33 | 4.1% |
| Closed with monetary relief Money was returned. | 16 | 2.0% |
| Closed Closed with no category recorded. | 1 | 0.1% |
| Untimely response The company did not respond within the CFPB window. | 1 | 0.1% |
You can withdraw permission for any company to debit your account, and instruct your bank to block the payment. Neither step needs the lender’s agreement, and neither depends on whether you still owe the money.
Top states by complaint volume. Each links to that state’s law page.
| State | Complaints |
|---|---|
| Florida | 96 |
| California | 87 |
| New Jersey | 56 |
| Georgia | 44 |
| Washington | 44 |
| Illinois | 31 |
| Maryland | 31 |
| Indiana | 27 |
Verbatim from complaints filed against LDF Holdings, LLC in the CFPB database. XX and XXXX are the Bureau’s own redactions of personal details. These are allegations by borrowers, published by the CFPB — not findings, and not necessarily accepted by the company.
Disputing payoff amt of {$1900.00} for loan {$1600.00} taken XX/XX/XXXX paid off entirely XXXX days later XX/XX/XXXX with early payment of XXXX XX/XX/XXXX just {$30.00} less than full principal amount of {$1600.00}. I was told Ithats all I could pay off on XX/XX/XXXX since first payment of {$420.00} was due in XXXX day and already…Charged fees or interest you didn't expect · complaint filed 2026-07-08
I reached out to see if I could lower my payments. I had no idea that an interest rate of 795 % was taken.Charged fees or interest you didn't expect · complaint filed 2026-07-07
UPDATE : On XXXX XXXX XXXX XXXX XXXX, Makwa Finance sent a settlement offer claiming I owed {$830.00} in " principal. '' Their own Truth in Lending Disclosure confirms the loan was made at 500 % XXXX with {$4200.00} in finance charges clearly usurious under XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX. XXXX caps consumer interest at 30 % APR ). I…Charged fees or interest you didn't expect · complaint filed 2026-06-16
More complaints does not mean worse. A company serving millions of borrowers will collect more complaints than one serving thousands, whatever the quality of either. That is why the headline figure is a rate — the share of complaints that end with money back — not a count. The rate already adjusts for how many people complained.
A complaint is also an allegation, not a finding. The CFPB does not verify what borrowers write, and neither do we.
The complaint counts, resolution outcomes, issue and state breakdowns on this page come straight from the CFPB Consumer Complaint Database (a public federal dataset of 15,188,499 complaints filed since 2011; retrieved 3 August 2026) and refresh from that API — no editorial judgement is applied to those numbers. The regulatory-action, rent-a-bank and SEC-filing sections, the lender’s classification and description, and the company-name matching are researched and reviewed by hand, and dated where shown.
Complaints are published after the company responds or after 15 days, whichever comes first. The CFPB does not verify borrowers’ accounts, and a complaint is not a finding of wrongdoing. The database is not a statistical sample of all customer experience. Search the full database →
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