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

CFPB complaint data Grade C 52 complaints

Planet Home Lending, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 21 states, reputation grade C.

Complaints by issue type

What consumers report about Planet Home Lending, LLC

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 61.4/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of C: Planet Home Lending, LLC ranks ahead of 47% of the 5,283 collectors PlainCollector grades - 53% keep a cleaner CFPB record, on 52 all-time complaints and a 98% timely-response rate.

47th pct
reputation rank of 5,283 graded collectors
52
CFPB complaints, all-time
98%
answered inside the CFPB window
19
in the last 12 months (rising)

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 Planet Home Lending, LLC?

Planet Home Lending, LLC has accumulated 52 total CFPB complaints across 21 states, with 19 filed in the most recent 12 months against 33 historical complaints before that window. The trailing-12-month volume represents 36.5% 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 "Attempts to collect debt not owed", narrowing to "Attempted to collect wrong amount". The company posts a 98% timely-response rate against a 25% consumer-dispute-after-response rate.

Complaints have been recorded across 21 states, led by California with 10 and Georgia with 5. Normalized against the full CFPB collector database, the reputation score of 61.4/100 places Planet Home Lending, LLC in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

52

low-volume (CCDB)

Last 12 months

19

36.5% of all-time complaints

Rising ↑

States active

21

multi-region footprint

Timely response rate

98%

excellent band

Consumer disputes

25%

elevated (vertical avg ~19%)

Reputation grade

C

61.4/100 composite

How does Planet Home Lending, LLC's reputation rank nationally?

Reputation score vs. every graded collector

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

61 47th percentile higher than 47% 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%). This entry sits in this band. 70–80: 871 graded collectors (16%). Above this entry. 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

Planet Home Lending, LLC versus the debt-collection vertical average.

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) 25.0%
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?

How does PLANET HOME LENDING, LLC compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
PLANET HOME LENDING, L… National average
Complaints (last 12 mo)lower is better
19
15
268
Timely-response ratehigher is better
98%
18%
91%
Consumer-dispute ratelower is better
25%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 17
Took or threatened to take negative or legal action - 12
False statements or representation - 11
Written notification about debt - 6
Cont'd attempts collect debt not owed - 2
Disclosure verification of debt - 2
Communication tactics - 1
Threatened to contact someone or share information improperly - 1

Where do complaints against Planet Home Lending, LLC come from?

Planet Home Lending, LLC's own per-state count, not a national baseline.

Top states by complaints against Planet Home Lending, LLC

Across 21 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Planet Home Lending, LLC contacts you

A grade of C signals how Planet Home Lending, LLC'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 Planet Home Lending, LLC 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 Planet Home Lending, LLC 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 Planet Home Lending, LLC? ▼

The most common issue consumers report about Planet Home Lending, LLC is "Attempts to collect debt not owed", specifically "Attempted to collect wrong amount". This is based on 52 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 19 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), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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).

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.