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 |
|---|---|---|---|
| May 27, 2021 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
| May 19, 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 |
| May 12, 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 |
| Apr 14, 2021 | Debt collection | Communication tacticsFrequent or repeated calls | No timely reply |
| Apr 2, 2021 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | No timely reply |
| Mar 22, 2021 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | No timely reply |
| May 22, 2019 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | No timely reply |
| May 9, 2019 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | No timely reply |
| May 9, 2016 | Debt collection | Cont'd attempts collect debt not owedDebt is not mine | No timely reply |
| Aug 24, 2015 | Debt collection | Taking/threatening an illegal actionThreatened arrest/jail if do not pay | No timely reply |
| Aug 23, 2015 | Debt collection | Communication tacticsThreatened to take legal action | Explained |
| Jul 17, 2015 | Debt collection | Disclosure verification of debtNot given enough info to verify debt | No timely reply |
| Jun 24, 2015 | Debt collection | Improper contact or sharing of infoTalked to a third party about my debt | No timely reply |
| Jun 17, 2015 | Debt collection | Cont'd attempts collect debt not owedDebt was discharged in bankruptcy | No timely reply |
| May 28, 2015 | Debt collection | Disclosure verification of debtRight to dispute notice not received | No timely reply |
| May 28, 2015 | Debt collection | False statements or representationIndicated committed crime not paying | No timely reply |
| May 12, 2015 | Debt collection | Communication tacticsThreatened to take legal action | No timely reply |
| Apr 14, 2015 | Debt collection | Cont'd attempts collect debt not owedDebt is not mine | No timely reply |
| Apr 3, 2015 | Debt collection | Taking/threatening an illegal actionThreatened arrest/jail if do not pay | No timely reply |
| Mar 4, 2015 | Debt collection | Taking/threatening an illegal actionThreatened arrest/jail if do not pay | No timely reply |
| Nov 25, 2014 | Debt collection | Cont'd attempts collect debt not owedDebt is not mine | Explained |
| Sep 4, 2014 | Debt collection | Cont'd attempts collect debt not owedDebt is not mine | Explained |
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
Talk about Earm
No comments yet. Start the conversation - questions are welcome too.