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

CFPB complaint data Grade B 17 complaints

Loan to Learn - Debt Collector Complaint Profile

CFPB complaint profile across 15 states, reputation grade B.

Complaints by issue type

What consumers report about Loan to Learn

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

B

Grade B · 74.7/100 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: Loan to Learn ranks ahead of 76% of the 5,283 collectors PlainCollector grades - 24% keep a cleaner CFPB record, on 17 all-time complaints and a 100% timely-response rate.

76th pct
reputation rank of 5,283 graded collectors
17
CFPB complaints, all-time
100%
answered inside the CFPB window
0
in the last 12 months (falling)

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 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 falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Didn't receive enough information to verify debt". The company posts a 100% timely-response rate against a 0% consumer-dispute-after-response rate.

Complaints have been recorded across 15 states, led by Oregon with 2 and Tennessee with 2. Normalized against the full CFPB collector database, the reputation score of 74.7/100 places Loan to Learn in grade band B.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

17

low-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

15

regional footprint

Timely response rate

100%

excellent band

Consumer disputes

0%

low (vertical avg ~19%)

Reputation grade

B

74.7/100 composite

How does Loan to Learn's reputation rank nationally?

Reputation score vs. every graded collector

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

75 Top 24% higher than 76% 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%). Below this entry. 70–80: 871 graded collectors (16%). This entry sits in this band. 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

Loan to Learn versus the debt-collection vertical average.

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?

How does LOAN TO LEARN compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
LOAN TO LEARN National average
Complaints (last 12 mo)lower is better
0
2
268
Timely-response ratehigher is better
100%
100%
91%
Consumer-dispute ratelower is better
0%
40%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2013-08 2024-02

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 6
Written notification about debt - 5
Took or threatened to take negative or legal action - 2
False statements or representation - 2
Communication tactics - 1
Taking/threatening an illegal action - 1

Where do complaints against Loan to Learn come from?

Loan to Learn's own per-state count, not a national baseline.

Top states by complaints against Loan to Learn

Across 15 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Loan to Learn contacts you

A grade of B signals how Loan to Learn'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 Loan to Learn 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 Loan to Learn 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 Loan to Learn? ▼

The most common issue consumers report about Loan to Learn is "Attempts to collect debt not owed", 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 are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Loan to Learn's reputation grade? ▼

Loan to Learn has a reputation grade of B (score: 74.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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 Oregon (2 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.