Total CFPB complaints
20
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 20 complaints
LendUp Loans 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 LendUp Loans LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
14 complaints
- Written notification about debt 4
Written notification about debt
4 complaints
- Disclosure verification of debt 1
Disclosure verification of debt
1 complaints
- Cont'd attempts collect debt not owed 1
Cont'd attempts collect debt not owed
1 complaints
D
Grade D · 57.9/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about LendUp Loans LLC?
LendUp Loans LLC has accumulated 20 total CFPB complaints across 4 states, with 0 filed in the most recent 12 months against 20 historical complaints before that window. The trailing-12-month volume represents 0.0% 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 "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 90% timely-response rate against a 50% consumer-dispute-after-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 California with 13 and Missouri with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.9/100 places LendUp Loans LLC in grade band D, 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
Stable →
States active
4
Distinct state filings
Timely response rate
90%
Within CFPB SLA window
Consumer disputes
50%
After company response
Reputation grade
D
57.9/100 composite
Response-quality profile
How LendUp Loans LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 90.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 100.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 7.1%
Share of US states + territories with at least one filed complaint against this collector.
How does LendUp Loans LLC compare to its peers?
LendUp Loans 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)
2016-06 2022-05
Top Consumer Issues
Attempts to collect debt not owed14 (%)
Written notification about debt4 (%)
Disclosure verification of debt1 (%)
Cont'd attempts collect debt not owed1 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 is not yours | 5 |
| Attempts to collect debt not owed | Debt was result of identity theft | 3 |
| Attempts to collect debt not owed | Debt was paid | 3 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 3 |
| Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | 2 |
| Written notification about debt | Didn't receive notice of right to dispute | 1 |
| Disclosure verification of debt | Right to dispute notice not received | 1 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
| Cont'd attempts collect debt not owed | Debt was paid | 1 |
Where do complaints against LendUp Loans LLC come from?
The states where consumers have filed the most CFPB complaints against LendUp Loans LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against LendUp Loans LLC
Across 4 states with at least one filing
- California
California
13 complaints
- Missouri 3
Missouri
3 complaints
- Texas 2
Texas
2 complaints
- Ohio 1
Ohio
1 complaints
Frequently Asked Questions
What is the most common complaint against LendUp Loans LLC? ▼
The most common issue consumers report about LendUp Loans LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 20 complaints filed with the CFPB.
Are complaints against LendUp Loans LLC increasing or decreasing? ▼
Complaints against LendUp Loans LLC have been stable. The company received 0 complaints in the last 12 months.
What is LendUp Loans LLC's reputation grade? ▼
LendUp Loans LLC has a reputation grade of D (score: 57.9/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does LendUp Loans LLC respond to consumer complaints? ▼
LendUp Loans LLC has a 90% timely response rate to CFPB complaints. Consumers disputed the company's response in 50% of cases.
In how many states does LendUp Loans LLC operate? ▼
LendUp Loans LLC has received CFPB complaints from consumers in 4 states, with the most complaints from California (13 complaints).
What can I do if LendUp Loans 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 LendUp Loans 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 |