Total CFPB complaints
152
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 152 complaints
LoanCare, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 31 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about LoanCare, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
48 complaints
- Written notification about debt
Written notification about debt
25 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
25 complaints
- False statements or representation
False statements or representation
22 complaints
- Communication tactics 10
Communication tactics
10 complaints
C
Grade C · 64.0/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about LoanCare, LLC?
LoanCare, LLC has accumulated 152 total CFPB complaints across 31 states, with 30 filed in the most recent 12 months against 122 historical complaints before that window. The trailing-12-month volume represents 19.7% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "False statements or representation", narrowing to "Attempted to collect wrong amount", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 98% 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 31 states, led by California with 25 and Texas with 24, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 64.0/100 places LoanCare, LLC in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
30
19.7% of total history
Rising ↑
States active
31
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
C
64.0/100 composite
Response-quality profile
How LoanCare, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 98.0%
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 55.4%
Share of US states + territories with at least one filed complaint against this collector.
How does LoanCare, LLC compare to its peers?
LoanCare, 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)
2023-09 2026-02
Top Consumer Issues
False statements or representation22 (%)
Attempts to collect debt not owed48 (%)
Written notification about debt25 (%)
Took or threatened to take negative or legal action25 (%)
Communication tactics10 (%)
Most common issue: False statements or representation — Attempted to collect wrong amount
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 |
|---|---|---|
| False statements or representation | Attempted to collect wrong amount | 22 |
| Attempts to collect debt not owed | Debt is not yours | 21 |
| Written notification about debt | Didn't receive enough information to verify debt | 20 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 18 |
| Attempts to collect debt not owed | Debt was paid | 14 |
| Attempts to collect debt not owed | Debt was result of identity theft | 13 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 7 |
| Communication tactics | Frequent or repeated calls | 5 |
| Written notification about debt | Didn't receive notice of right to dispute | 5 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 5 |
Where do complaints against LoanCare, LLC come from?
The states where consumers have filed the most CFPB complaints against LoanCare, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against LoanCare, LLC
Across 31 states with at least one filing
- California
California
25 complaints
- Texas
Texas
24 complaints
- Florida
Florida
20 complaints
- New Jersey 9
New Jersey
9 complaints
- New York 7
New York
7 complaints
- Michigan 7
Michigan
7 complaints
- Georgia 7
Georgia
7 complaints
- Arizona 5
Arizona
5 complaints
Frequently Asked Questions
What is the most common complaint against LoanCare, LLC? ▼
The most common issue consumers report about LoanCare, LLC is "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 152 complaints filed with the CFPB.
Are complaints against LoanCare, LLC increasing or decreasing? ▼
Complaints against LoanCare, LLC are rising. The company received 30 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: 64.0/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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 California (25 complaints).
What can I do if LoanCare, 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 LoanCare, 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 |