Total CFPB complaints
17
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 17 complaints
LOAN TO LEARN — Debt Collector Complaint Profile
CFPB complaint profile across 15 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about LOAN TO LEARN
- Attempts to collect debt not owed
Attempts to collect debt not owed
6 complaints
- Written notification about debt
Written notification about debt
5 complaints
- False statements or representation 2
False statements or representation
2 complaints
- Took or threatened to take negative or legal action 1
Took or threatened to take negative or legal action
1 complaints
- Communication tactics 1
Communication tactics
1 complaints
- Taking/threatening an illegal action 1
Taking/threatening an illegal action
1 complaints
B
Grade B · 74.7/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about LOAN TO LEARN?
LOAN TO LEARN has accumulated 17 total CFPB complaints across 15 states, with 0 filed in the most recent 12 months against 17 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 "Written notification about debt", narrowing to "Didn't receive enough information to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 0% 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 15 states, led by Tennessee with 2 and Oregon with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 74.7/100 places LOAN TO LEARN in grade band B, 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
15
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
B
74.7/100 composite
Response-quality profile
How LOAN TO LEARN performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
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 26.8%
Share of US states + territories with at least one filed complaint against this collector.
How does LOAN TO LEARN compare to its peers?
LOAN TO LEARN 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)
2013-09 2022-01
Top Consumer Issues
Written notification about debt5 (%)
Attempts to collect debt not owed6 (%)
False statements or representation2 (%)
Took or threatened to take negative or legal action1 (%)
Communication tactics1 (%)
Taking/threatening an illegal action1 (%)
Most common issue: Written notification about debt — Didn't receive enough information to verify debt
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 |
|---|---|---|
| Written notification about debt | Didn't receive enough information to verify debt | 3 |
| Attempts to collect debt not owed | Debt was paid | 3 |
| False statements or representation | Attempted to collect wrong amount | 2 |
| Attempts to collect debt not owed | Debt was result of identity theft | 2 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
| Communication tactics | Threatened to take legal action | 1 |
| Written notification about debt | Didn't receive notice of right to dispute | 1 |
| Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | 1 |
| Taking/threatening an illegal action | Sued w/o proper notification of suit | 1 |
Where do complaints against LOAN TO LEARN come from?
The states where consumers have filed the most CFPB complaints against LOAN TO LEARN. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against LOAN TO LEARN
Across 15 states with at least one filing
- Tennessee
Tennessee
2 complaints
- Oregon
Oregon
2 complaints
- New York
New York
1 complaints
- South Carolina
South Carolina
1 complaints
- Massachusetts
Massachusetts
1 complaints
- Pennsylvania
Pennsylvania
1 complaints
- Virginia
Virginia
1 complaints
- Texas
Texas
1 complaints
Frequently Asked Questions
What is the most common complaint against LOAN TO LEARN? ▼
The most common issue consumers report about LOAN TO LEARN is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 17 complaints filed with the CFPB.
Are complaints against LOAN TO LEARN increasing or decreasing? ▼
Complaints against LOAN TO LEARN have been stable. The company received 0 complaints in the last 12 months.
What is LOAN TO LEARN's reputation grade? ▼
LOAN TO LEARN has a reputation grade of B (score: 74.7/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does LOAN TO LEARN respond to consumer complaints? ▼
LOAN TO LEARN has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does LOAN TO LEARN operate? ▼
LOAN TO LEARN has received CFPB complaints from consumers in 15 states, with the most complaints from Tennessee (2 complaints).
What can I do if LOAN TO LEARN 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 LOAN TO LEARN 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 |