What is the most common complaint against LoanCare, LLC?

The most common issue consumers report about LoanCare, LLC is "Attempts to collect debt not owed", specifically "Attempted to collect wrong amount". This is based on 169 complaints filed with the CFPB.

Are complaints against LoanCare, LLC increasing or decreasing?

Complaints against LoanCare, LLC are rising. The company received 49 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is LoanCare, LLC's reputation grade?

LoanCare, LLC has a reputation grade of C (score: 61.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does LoanCare, LLC respond to consumer complaints?

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

In how many states does LoanCare, LLC operate?

LoanCare, LLC has received CFPB complaints from consumers in 31 states, with the most complaints from Texas (27 complaints).

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

LoanCare, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 31 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

64
Took or threatened to take negative or legal action

37
Written notification about debt

27
False statements or representation

24
Communication tactics

13
Cont'd attempts collect debt not owed

2

Data updated September 2026

CFPB complaint disposition

CCDB record loancare-llc LoanCare, LLC

Grade C · 169 CFPB filings · 98% timely · lead issue: Attempts to collect debt not owed · vol #614 · compose #2176

VOL 169
GRADE C
12MO 49
STATES 31
TIMELY 98%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #614
COMPOSE #2,176

Volume peers

Nearest volume peer: BMO Bank National Association (169 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

LoanCare, LLC's 169 CFPB complaints sit next to BMO Bank National Association on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Spiky monthly series

Texas is the plurality state for LoanCare, LLC (16.0%)

The 2021-03 spike coincides with a 1,562-place gap between volume rank #614 and composite #2,176. Corpus placement method.

Plurality state: Texas 16.0%; Mid-band (15–30%) · 31 states with ≥1 filing
Spike month: 2021-03 100.0%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #614 volume; #2,176 composite; Cleanest-composite ladder is 1,562 places worse than volume

How does LoanCare, LLC compare to its peers?

How does LoanCare, LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

LoanCare, LLC National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

98%

94%

91%

Consumer-dispute ratelower is better

16%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2021-03 2021-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	64
Took or threatened to take negative or legal action	37
Written notification about debt	27
False statements or representation	24
Communication tactics	13
Cont'd attempts collect debt not owed	2
Disclosure verification of debt	1
Threatened to contact someone or share information improperly	1

Where do complaints against LoanCare, LLC come from?

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

Texas

27
California

26
Florida

26
New Jersey

9
Georgia

8
Michigan

7
Arizona

6
Illinois

6

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for LoanCare, LLC: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 169.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 98.02631578947368%.

4 peers

Know your rights before responding to LoanCare, LLC: FDCPA rights guide · debt validation letter · rights library.

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

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

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.