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

CFPB complaint data Grade C 69 complaints

EMCC Holdings, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 22 states, reputation grade C.

Complaints by issue type

What consumers report about EMCC Holdings, LLC

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record emcc-holdings-llc EMCC Holdings, LLC

Grade C · 69 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed

  • VOL 69
  • GRADE C
  • 12MO 0
  • STATES 22
  • TIMELY 100%
  • DISPUTE 14%
  • ISSUE Attempts to collect debt n…
  • RANK #1,012
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Agency of Credit Control (69 complaints)

Agency of Credit ControlAgency of Credit Control69Axela Technologies, IncAxela Technologies, Inc69Boeing Employees' Credit UnionBoeing Employees' Credit Uni…69Check Security Associates, LLCCheck Security Associates, L…69EMCC Holdings, LLC (this)EMCC Holdings, LLC (this)69
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

EMCC Holdings, LLC's 69 CFPB complaints sit next to Agency of Credit Control 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 →

How the 69 complaints break down

Every complaint issue type on record for EMCC Holdings, LLC, not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
60.2/100
EMCC Holdings, LLC

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
69
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
14%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

EMCC Holdings, LLC spreads filings across 22 states - California leads at only 14.5%

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Most-even geography
Lead state under 15%
California still leads at 14.5% across 22 states
Seasonal peak
2021-04 11.1%
8–15% band · 2 filings
Corpus ranks
#1,012 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does EMCC Holdings, LLC compare to its peers?

How does EMCC Holdings, 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
EMCC Holdings, LLC National average
Complaints (last 12 mo)lower is better
0
0
268
Timely-response ratehigher is better
100%
57%
91%
Consumer-dispute ratelower is better
14%
30%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy EMCC Holdings, LLC a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 50%60%70%80%90%100%110% 0%20%40%60% Timely response rate (%) Dispute rate (%) EMCC Holdings, LLC vs. 8 similar-volume peers, by response speed and dispute rate EMCC Holdings, LLCColumbia Recovery Group LLCCheck Security Associates, LLCCIT BANK, NATIONAL ASSOCIATIONBOEING EMPLOYEES' CREDIT UNIONAgency of Credit ControlHealthcare Management, LLCMacDowell & Associates, Ltd.Medical-Dental-Hospital Bureau of San Antonio
Source: CFPB Consumer Complaint Database

EMCC Holdings, LLC's complaint volume in context

EMCC Holdings, LLC vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

69 Top 19% higher than 81% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). This entry sits in this band. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. EMCC Holdings, LLC 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2013-08 2025-11

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
42
Written notification about debt
9
False statements or representation
8
Disclosure verification of debt
4
Cont'd attempts collect debt not owed
3
Communication tactics
2
Took or threatened to take negative or legal action
1

Where do complaints against EMCC Holdings, LLC come from?

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

Top states by complaints against EMCC Holdings, LLC

Across 22 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for EMCC Holdings, 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: 69.

4 peers

Know your rights before responding to EMCC Holdings, 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.