What is the most common complaint against Earm LLC?

The most common issue consumers report about Earm LLC is "Took or threatened to take negative or legal action", specifically "Threatened to sue you for very old debt". This is based on 52 complaints filed with the CFPB.

Are complaints against Earm LLC increasing or decreasing?

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

What is Earm LLC's reputation grade?

Earm LLC has a reputation grade of F (score: 30.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Earm LLC respond to consumer complaints?

Earm LLC has a 4% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Earm LLC operate?

Earm LLC has received CFPB complaints from consumers in 23 states, with the most complaints from Texas (12 complaints).

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

Earm LLC - Debt Collector Complaint Profile

CFPB complaint profile across 23 states, reputation grade F.

Compiled by PlainCollector

Took or threatened to take negative or legal action

15
Communication tactics

13
Attempts to collect debt not owed

9
Cont'd attempts collect debt not owed

5
False statements or representation

3
Taking/threatening an illegal action

3

Data updated September 2026

CFPB complaint disposition

CCDB record earm-llc Earm LLC

Grade F · 52 CFPB filings · 4% timely · lead issue: Took or threatened to take negative or legal action · vol #1162 · compose #5208

VOL 52
GRADE F
12MO 0
STATES 23
TIMELY 4%
DISPUTE 0%
ISSUE Took or threatened to take…
RANK #1,162
COMPOSE #5,208

Volume peers

Nearest volume peer: Allegiant Capital Recovery LLC (52 complaints)

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

Earm LLC's 52 CFPB complaints sit next to Allegiant Capital Recovery LLC 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 →

Filing geometry

Texas is the plurality state for Earm LLC (23.1%)

Volume rank #1,162 and composite rank #5,208 diverge by 4,046 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Texas 23.1%; Mid-band (15–30%) · 23 states with ≥1 filing
Seasonal peak: 2023-05 11.4%; 8–15% band · 5 filings
Divergent corpus ranks: #1,162 volume; #5,208 composite; Cleanest-composite ladder is 4,046 places worse than volume

How does Earm LLC compare to its peers?

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

Earm LLC National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

94%

91%

Consumer-dispute ratelower is better

20%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2021-11 2025-10

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	15
Communication tactics	13
Attempts to collect debt not owed	9
Cont'd attempts collect debt not owed	5
False statements or representation	3
Taking/threatening an illegal action	3
Disclosure verification of debt	2
Threatened to contact someone or share information improperly	1
Improper contact or sharing of info	1

Where do complaints against Earm LLC come from?

Earm LLC's own per-state count, not a national baseline.

Texas

12
California

4
Florida

4
Illinois

3
Pennsylvania

3
Virginia

3
Alabama

2
Idaho

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Earm LLC: 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: 52.

4 peers

Know your rights before responding to Earm LLC: 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.