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

CFPB complaint data Grade F 163 complaints

LendingPoint Holdings LLC - Debt Collector Complaint Profile

CFPB complaint profile across 33 states, reputation grade F.

Complaints by issue type

What consumers report about LendingPoint Holdings LLC

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

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 163
  • GRADE F
  • 12MO 56
  • STATES 33
  • TIMELY 98%
  • ISSUE Attempts to collect debt n…
  • RANK #623
  • COMPOSE Not ranked

Volume peers

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

Accelerated Financial Solutions, LLCAccelerated Financial Soluti…162BCA Financial Services, Inc.BCA Financial Services, Inc.163Terrill Outsourcing GroupTerrill Outsourcing Group163LendingPoint Holdings LLC (this)LendingPoint Holdings LLC (t…163Cherry Technologies Inc.Cherry Technologies Inc.164
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 →

How the 163 complaints break down

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

Reputation score breakdown

F
Composite reputation score
48.9/100
LendingPoint 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
163
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
98%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate N/A
N/A
No dispute rate reported.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

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

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%
Texas still leads at 11.7% across 33 states
Seasonal peak
2025-05 12.5%
8–15% band · 13 filings
Corpus ranks
#623 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

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 LLC National average
Complaints (last 12 mo)lower is better
56
16
268
Timely-response ratehigher is better
98%
98%
91%
Consumer-dispute ratelower is better
0%
19%
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 LendingPoint Holdings LLC a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 8 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 80%85%90%95%100%105% 5%10%15%20%25%30%35% Timely response rate (%) Dispute rate (%) LendingPoint Holdings LLC vs. 8 similar-volume peers, by response speed and dispute rate BCA Financial Services, Inc.Terrill Outsourcing GroupAccelerated Financial Solutions, LLCAscension Point Recovery Services, LLCFinancial Corporation of AmericaValentine and Kebartas, Inc.WLCCLyons, Doughty & Veldhuis, PC
Source: CFPB Consumer Complaint Database

LendingPoint Holdings LLC's complaint volume in context

LendingPoint 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)

163 Top 11% higher than 89% 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%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). This entry sits in this band. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. LendingPoint 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)

Rising ↑
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.

Top states by complaints against LendingPoint Holdings LLC

Across 33 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 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.