Total CFPB complaints
27
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 27 complaints
Home Loan Center, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 17 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Home Loan Center, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
12 complaints
- False statements or representation 3
False statements or representation
3 complaints
- Communication tactics 3
Communication tactics
3 complaints
- Disclosure verification of debt 2
Disclosure verification of debt
2 complaints
- Written notification about debt 2
Written notification about debt
2 complaints
- Confusing or misleading advertising or marketing 1
Confusing or misleading advertising or marketing
1 complaints
B
Grade B · 67.9/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about Home Loan Center, Inc.?
Home Loan Center, Inc. has accumulated 27 total CFPB complaints across 17 states, with 7 filed in the most recent 12 months against 20 historical complaints before that window. The trailing-12-month volume represents 25.9% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 89% timely-response rate against a 0% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 17 states, led by Florida with 5 and Arizona with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 67.9/100 places Home Loan Center, Inc. in grade band B, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
7
25.9% of total history
Rising ↑
States active
17
Distinct state filings
Timely response rate
89%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
B
67.9/100 composite
Response-quality profile
How Home Loan Center, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 88.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 30.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Home Loan Center, Inc. compare to its peers?
Home Loan Center, Inc. National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2016-10 2026-02
Top Consumer Issues
Attempts to collect debt not owed12 (%)
False statements or representation3 (%)
Communication tactics3 (%)
Disclosure verification of debt2 (%)
Written notification about debt2 (%)
Confusing or misleading advertising or marketing1 (%)
Took or threatened to take negative or legal action1 (%)
Cont'd attempts collect debt not owed1 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 8 |
| Attempts to collect debt not owed | Debt was paid | 4 |
| False statements or representation | Attempted to collect wrong amount | 3 |
| Communication tactics | Frequent or repeated calls | 3 |
| Disclosure verification of debt | Not given enough info to verify debt | 2 |
| Written notification about debt | Didn't receive enough information to verify debt | 2 |
| Confusing or misleading advertising or marketing | — | 1 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 1 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
| Unauthorized withdrawals or charges | — | 1 |
Where do complaints against Home Loan Center, Inc. come from?
The states where consumers have filed the most CFPB complaints against Home Loan Center, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Home Loan Center, Inc.
Across 17 states with at least one filing
- Florida
Florida
5 complaints
- Arizona
Arizona
3 complaints
- North Carolina
North Carolina
2 complaints
- Georgia
Georgia
2 complaints
- Oregon 1
Oregon
1 complaints
- Oklahoma 1
Oklahoma
1 complaints
- California 1
California
1 complaints
- Tennessee 1
Tennessee
1 complaints
Frequently Asked Questions
What is the most common complaint against Home Loan Center, Inc.? ▼
The most common issue consumers report about Home Loan Center, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 27 complaints filed with the CFPB.
Are complaints against Home Loan Center, Inc. increasing or decreasing? ▼
Complaints against Home Loan Center, Inc. are rising. The company received 7 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Home Loan Center, Inc.'s reputation grade? ▼
Home Loan Center, Inc. has a reputation grade of B (score: 67.9/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does Home Loan Center, Inc. respond to consumer complaints? ▼
Home Loan Center, Inc. has a 89% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does Home Loan Center, Inc. operate? ▼
Home Loan Center, Inc. has received CFPB complaints from consumers in 17 states, with the most complaints from Florida (5 complaints).
What can I do if Home Loan Center, Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Home Loan Center, Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |