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

CFPB complaint data Grade B 47 complaints

LendingUSA - Debt Collector Complaint Profile

CFPB complaint profile across 18 states, reputation grade B.

Complaints by issue type

What consumers report about LendingUSA

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

B

Grade B · 68.6/100 composite

This collector has a good complaint record with relatively few complaints and responsive customer service.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of B: LendingUSA ranks ahead of 66% of the 5,283 collectors PlainCollector grades - 34% keep a cleaner CFPB record, on 47 all-time complaints and a 98% timely-response rate.

66th pct
reputation rank of 5,283 graded collectors
47
CFPB complaints, all-time
98%
answered inside the CFPB window
13
in the last 12 months (stable)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about LendingUSA?

LendingUSA has accumulated 47 total CFPB complaints across 18 states, with 13 filed in the most recent 12 months against 34 historical complaints before that window. The trailing-12-month volume represents 27.7% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Threatened or suggested your credit would be damaged". The company posts a 98% timely-response rate against a 0% consumer-dispute-after-response rate.

Complaints have been recorded across 18 states, led by Florida with 11 and Texas with 10. Normalized against the full CFPB collector database, the reputation score of 68.6/100 places LendingUSA in grade band B.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

47

low-volume (CCDB)

Last 12 months

13

27.7% of all-time complaints

Stable →

States active

18

regional footprint

Timely response rate

98%

excellent band

Consumer disputes

0%

low (vertical avg ~19%)

Reputation grade

B

68.6/100 composite

How does LendingUSA's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

69 66th percentile higher than 66% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

LendingUSA versus the debt-collection vertical average.

Timely response within SLA 97.7%
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 32.1%

Share of US states + territories with at least one filed complaint against this collector.

How does LendingUSA compare to its peers?

How does LendingUSA compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
LendingUSA National average
Complaints (last 12 mo)lower is better
13
7
268
Timely-response ratehigher is better
98%
100%
91%
Consumer-dispute ratelower is better
0%
100%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2013-12 2019-10

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 21
Took or threatened to take negative or legal action - 11
False statements or representation - 6
Communication tactics - 6
Written notification about debt - 1
Threatened to contact someone or share information improperly - 1
Electronic communications - 1

Where do complaints against LendingUSA come from?

LendingUSA's own per-state count, not a national baseline.

Top states by complaints against LendingUSA

Across 18 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if LendingUSA contacts you

A grade of B signals how LendingUSA's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really LendingUSA and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how LendingUSA ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against LendingUSA? ▼

The most common issue consumers report about LendingUSA is "Attempts to collect debt not owed", specifically "Threatened or suggested your credit would be damaged". This is based on 47 complaints filed with the CFPB.

Are complaints against LendingUSA increasing or decreasing? ▼

Complaints against LendingUSA have been stable. The company received 13 complaints in the last 12 months.

What is LendingUSA's reputation grade? ▼

LendingUSA has a reputation grade of B (score: 68.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does LendingUSA respond to consumer complaints? ▼

LendingUSA has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does LendingUSA operate? ▼

LendingUSA has received CFPB complaints from consumers in 18 states, with the most complaints from Florida (11 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.