Total CFPB complaints
6
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 6 complaints
Leap Credit, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 4 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Leap Credit, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
3 complaints
- Took or threatened to take negative or legal action 1
Took or threatened to take negative or legal action
1 complaints
- Problem with customer service 1
Problem with customer service
1 complaints
- Electronic communications 1
Electronic communications
1 complaints
F
Grade F · 52.3/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Leap Credit, LLC?
Leap Credit, LLC has accumulated 6 total CFPB complaints across 4 states, with 0 filed in the most recent 12 months against 6 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt was result of identity theft", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 50% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 4 states, led by Missouri with 3 and Mississippi with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 52.3/100 places Leap Credit, LLC in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Falling ↓
States active
4
Distinct state filings
Timely response rate
50%
Within CFPB SLA window
Reputation grade
F
52.3/100 composite
Response-quality profile
How Leap Credit, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 50.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 7.1%
Share of US states + territories with at least one filed complaint against this collector.
How does Leap Credit, LLC compare to its peers?
Leap Credit, LLC 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)
2021-04 2024-03
Top Consumer Issues
Attempts to collect debt not owed3 (%)
Took or threatened to take negative or legal action1 (%)
Problem with customer service1 (%)
Electronic communications1 (%)
Most common issue: Attempts to collect debt not owed — Debt was result of identity theft
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 was result of identity theft | 1 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 1 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
| Problem with customer service | — | 1 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
| Electronic communications | You told them to stop contacting you, but they keep trying | 1 |
Where do complaints against Leap Credit, LLC come from?
The states where consumers have filed the most CFPB complaints against Leap Credit, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Leap Credit, LLC
Across 4 states with at least one filing
- Missouri
Missouri
3 complaints
- Mississippi 1
Mississippi
1 complaints
- South Carolina 1
South Carolina
1 complaints
- North Carolina 1
North Carolina
1 complaints
Frequently Asked Questions
What is the most common complaint against Leap Credit, LLC? ▼
The most common issue consumers report about Leap Credit, LLC is "Attempts to collect debt not owed", specifically "Debt was result of identity theft". This is based on 6 complaints filed with the CFPB.
Are complaints against Leap Credit, LLC increasing or decreasing? ▼
Complaints against Leap Credit, LLC are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.
What is Leap Credit, LLC's reputation grade? ▼
Leap Credit, LLC has a reputation grade of F (score: 52.3/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does Leap Credit, LLC respond to consumer complaints? ▼
Leap Credit, LLC has a 50% timely response rate to CFPB complaints.
In how many states does Leap Credit, LLC operate? ▼
Leap Credit, LLC has received CFPB complaints from consumers in 4 states, with the most complaints from Missouri (3 complaints).
What can I do if Leap Credit, LLC 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 Leap Credit, LLC 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 |