Debt collection
Earm debt collection complaints
Consumers have filed 52 complaints about Earm's debt collection. See the whole Earm record.
Earm against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | Earm | 0 | - | - |
Latest Earm debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Mar 30, 2023 | Debt collection | Communication tacticsFrequent or repeated calls | No timely reply |
| Feb 23, 2023 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Jan 31, 2023 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | No timely reply |
| Jan 19, 2023 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
| Dec 27, 2022 | Debt collection | Took or threatened to take negative or legal actionThreatened to arrest you or take you to jail if you do not pay | No timely reply |
| Dec 26, 2022 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | No timely reply |
| Dec 6, 2022 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | No timely reply |
| May 5, 2022 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | No timely reply |
| Mar 1, 2022 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | No timely reply |
| Feb 18, 2022 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | No timely reply |
| Feb 8, 2022 | Debt collection | Communication tacticsFrequent or repeated calls | No timely reply |
| Jan 20, 2022 | Debt collection | Communication tacticsFrequent or repeated calls | No timely reply |
| Dec 29, 2021 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | No timely reply |
| Dec 27, 2021 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Dec 24, 2021 | Debt collection | Communication tacticsFrequent or repeated calls | No timely reply |
| Dec 2, 2021 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | No timely reply |
| Nov 23, 2021 | Debt collection | Took or threatened to take negative or legal actionThreatened to arrest you or take you to jail if you do not pay | No timely reply |
| Nov 12, 2021 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | No timely reply |
| Nov 2, 2021 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | No timely reply |
| Oct 29, 2021 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Oct 10, 2021 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | No timely reply |
| Oct 8, 2021 | Debt collection | Attempts to collect debt not owedDebt was paid | No timely reply |
| Sep 29, 2021 | Debt collection | Communication tacticsFrequent or repeated calls | No timely reply |
| Sep 9, 2021 | Debt collection | False statements or representationIndicated you were committing crime by not paying debt | No timely reply |
| Sep 3, 2021 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Sep 1, 2021 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | No timely reply |
| Aug 3, 2021 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | No timely reply |
| Jul 15, 2021 | Debt collection | False statements or representationImpersonated attorney, law enforcement, or government official | No timely reply |
| Jun 16, 2021 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | No timely reply |
| Jun 10, 2021 | Debt collection | Attempts to collect debt not owedDebt was paid | No timely reply |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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