Total CFPB complaints
54
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 54 complaints
PLANET HOME LENDING, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 21 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about PLANET HOME LENDING, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
15 complaints
- False statements or representation
False statements or representation
11 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
11 complaints
- Written notification about debt 4
Written notification about debt
4 complaints
- Confusing or missing disclosures 3
Confusing or missing disclosures
3 complaints
- Cont'd attempts collect debt not owed 2
Cont'd attempts collect debt not owed
2 complaints
C
Grade C · 61.4/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about PLANET HOME LENDING, LLC?
PLANET HOME LENDING, LLC has accumulated 54 total CFPB complaints across 21 states, with 22 filed in the most recent 12 months against 32 historical complaints before that window. The trailing-12-month volume represents 40.7% 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 25% 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 21 states, led by California with 10 and Louisiana with 7, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 61.4/100 places PLANET HOME LENDING, 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
22
40.7% of total history
Rising ↑
States active
21
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Consumer disputes
25%
After company response
Reputation grade
C
61.4/100 composite
Response-quality profile
How PLANET HOME LENDING, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 98.1%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 50.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 37.5%
Share of US states + territories with at least one filed complaint against this collector.
How does PLANET HOME LENDING, LLC compare to its peers?
PLANET HOME LENDING, L… 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)
2021-12 2026-02
Top Consumer Issues
False statements or representation11 (%)
Attempts to collect debt not owed15 (%)
Took or threatened to take negative or legal action11 (%)
Written notification about debt4 (%)
Confusing or missing disclosures3 (%)
Cont'd attempts collect debt not owed2 (%)
Disclosure verification of debt2 (%)
Didn't provide services promised2 (%)
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 | 11 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 8 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 8 |
| Attempts to collect debt not owed | Debt was paid | 7 |
| Written notification about debt | Didn't receive enough information to verify debt | 4 |
| Confusing or missing disclosures | — | 3 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 3 |
| Cont'd attempts collect debt not owed | Debt is not mine | 2 |
| Disclosure verification of debt | Not given enough info to verify debt | 2 |
| Didn't provide services promised | — | 2 |
Where do complaints against PLANET HOME LENDING, LLC come from?
The states where consumers have filed the most CFPB complaints against PLANET HOME LENDING, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against PLANET HOME LENDING, LLC
Across 21 states with at least one filing
- California
California
10 complaints
- Louisiana
Louisiana
7 complaints
- Texas
Texas
6 complaints
- Florida
Florida
5 complaints
- Georgia
Georgia
4 complaints
- Maine 3
Maine
3 complaints
- North Carolina 3
North Carolina
3 complaints
- Washington 2
Washington
2 complaints
Frequently Asked Questions
What is the most common complaint against PLANET HOME LENDING, LLC? ▼
The most common issue consumers report about PLANET HOME LENDING, LLC is "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 54 complaints filed with the CFPB.
Are complaints against PLANET HOME LENDING, LLC increasing or decreasing? ▼
Complaints against PLANET HOME LENDING, LLC are rising. The company received 22 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is PLANET HOME LENDING, LLC's reputation grade? ▼
PLANET HOME LENDING, LLC has a reputation grade of C (score: 61.4/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does PLANET HOME LENDING, LLC respond to consumer complaints? ▼
PLANET HOME LENDING, LLC has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 25% of cases.
In how many states does PLANET HOME LENDING, LLC operate? ▼
PLANET HOME LENDING, LLC has received CFPB complaints from consumers in 21 states, with the most complaints from California (10 complaints).
What can I do if PLANET HOME LENDING, 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 PLANET HOME LENDING, 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 |