What is the most common complaint against LendingPoint Holdings LLC?

The most common issue consumers report about LendingPoint Holdings LLC is "Attempts to collect debt not owed", specifically "Debt was result of identity theft". This is based on 163 complaints filed with the CFPB.

Are complaints against LendingPoint Holdings LLC increasing or decreasing?

Complaints against LendingPoint Holdings LLC are rising. The company received 56 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is LendingPoint Holdings LLC's reputation grade?

LendingPoint Holdings LLC has a reputation grade of F (score: 48.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does LendingPoint Holdings LLC respond to consumer complaints?

LendingPoint Holdings LLC has a 98% timely response rate to CFPB complaints.

In how many states does LendingPoint Holdings LLC operate?

LendingPoint Holdings LLC has received CFPB complaints from consumers in 33 states, with the most complaints from Texas (19 complaints).

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

LendingPoint Holdings LLC - Debt Collector Complaint Profile

CFPB complaint profile across 33 states, reputation grade F.

Compiled by PlainCollector

Attempts to collect debt not owed

58
Took or threatened to take negative or legal action

35
Written notification about debt

25
Communication tactics

20
False statements or representation

19
Threatened to contact someone or share information improperly

5

Data updated September 2026

CFPB complaint disposition

CCDB record lendingpoint-holdings-llc LendingPoint Holdings LLC

Grade F · 163 CFPB filings · 98% timely · lead issue: Attempts to collect debt not owed · vol #623 · compose #4239

VOL 163
GRADE F
12MO 56
STATES 33
TIMELY 98%
ISSUE Attempts to collect debt n…
RANK #623
COMPOSE #4,239

Volume peers

Nearest volume peer: BCA Financial Services, Inc. (163 complaints)

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

LendingPoint Holdings LLC's 163 CFPB complaints sit next to BCA Financial Services, Inc. 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 →

Distributed filing map

LendingPoint Holdings LLC spreads filings across 33 states - Texas leads at only 11.7%

Despite a broad state map, LendingPoint Holdings LLC still sits volume #623 against composite #4,239 - the two RankMaps diverge by 3,616 places. Corpus placement method.

Most-even geography: Lead state under 15%; Texas still leads at 11.7% across 33 states
Seasonal peak: 2025-05 12.5%; 8–15% band · 13 filings
Divergent corpus ranks: #623 volume; #4,239 composite; Cleanest-composite ladder is 3,616 places worse than volume

How does LendingPoint Holdings LLC compare to its peers?

How does LendingPoint 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

LendingPoint Holdings … National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

98%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-03 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	58
Took or threatened to take negative or legal action	35
Written notification about debt	25
Communication tactics	20
False statements or representation	19
Threatened to contact someone or share information improperly	5
Electronic communications	1

Where do complaints against LendingPoint Holdings LLC come from?

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

Texas

19
Georgia

18
California

17
Florida

17
Virginia

11
Arizona

7
Illinois

6
Michigan

6

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for LendingPoint 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: 163.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 98.05194805194806%.

4 peers

Know your rights before responding to LendingPoint 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.