Total CFPB complaints
154
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 154 complaints
LendingPoint Holdings LLC — Debt Collector Complaint Profile
CFPB complaint profile across 32 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about LendingPoint Holdings LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
54 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
26 complaints
- Written notification about debt
Written notification about debt
22 complaints
- Communication tactics 17
Communication tactics
17 complaints
- False statements or representation 17
False statements or representation
17 complaints
F
Grade F · 51.4/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about LendingPoint Holdings LLC?
LendingPoint Holdings LLC has accumulated 154 total CFPB complaints across 32 states, with 59 filed in the most recent 12 months against 95 historical complaints before that window. The trailing-12-month volume represents 38.3% 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 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 98% 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 32 states, led by Texas with 19 and Georgia with 17, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 51.4/100 places LendingPoint Holdings 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
59
38.3% of total history
Rising ↑
States active
32
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Reputation grade
F
51.4/100 composite
Response-quality profile
How LendingPoint Holdings LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 98.1%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 57.1%
Share of US states + territories with at least one filed complaint against this collector.
How does LendingPoint Holdings LLC compare to its peers?
LendingPoint Holdings … 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)
2023-12 2026-03
Top Consumer Issues
Attempts to collect debt not owed54 (%)
Took or threatened to take negative or legal action26 (%)
Communication tactics17 (%)
False statements or representation17 (%)
Written notification about debt22 (%)
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 | 25 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 20 |
| Attempts to collect debt not owed | Debt is not yours | 19 |
| Communication tactics | Frequent or repeated calls | 17 |
| False statements or representation | Attempted to collect wrong amount | 17 |
| Written notification about debt | Didn't receive enough information to verify debt | 15 |
| Attempts to collect debt not owed | Debt was paid | 7 |
| Written notification about debt | Didn't receive notice of right to dispute | 7 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 6 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 3 |
Where do complaints against LendingPoint Holdings LLC come from?
The states where consumers have filed the most CFPB complaints against LendingPoint Holdings LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against LendingPoint Holdings LLC
Across 32 states with at least one filing
- Texas
Texas
19 complaints
- Georgia
Georgia
17 complaints
- Florida
Florida
16 complaints
- California
California
14 complaints
- Virginia
Virginia
10 complaints
- Arizona 7
Arizona
7 complaints
- New York 6
New York
6 complaints
- Pennsylvania 6
Pennsylvania
6 complaints
Frequently Asked Questions
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 154 complaints filed with the CFPB.
Are complaints against LendingPoint Holdings LLC increasing or decreasing? ▼
Complaints against LendingPoint Holdings LLC are rising. The company received 59 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: 51.4/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 32 states, with the most complaints from Texas (19 complaints).
What can I do if LendingPoint Holdings 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 LendingPoint Holdings 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 |