Debt collection
Essential Lending debt collection complaints
Consumers have filed 98 complaints about Essential Lending's debt collection, 55 in the last 12 months (+139%). Essential Lending answered 34.5% on time and closed 0% with relief. See the whole Essential Lending record.
Essential Lending 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 | Essential Lending | 55 | 34.5% | 0% |
Latest Essential Lending debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 3, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 2, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Sep 11, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 9, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 7, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Sep 4, 2026 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Aug 27, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Aug 27, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Aug 23, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 23, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jun 15, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 15, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 9, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 30, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 25, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 15, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 15, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 9, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 5, 2026 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Apr 24, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 22, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 17, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Apr 17, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 17, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Apr 17, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Apr 14, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 29, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Mar 21, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Mar 19, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Mar 16, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | 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
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