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 |
|---|---|---|---|
| Sep 27, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Sep 23, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 9, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 27, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jul 17, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 10, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 27, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Jun 26, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened to turn you in to immigration or deport you | Explained |
| May 30, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Apr 25, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 24, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Mar 27, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 26, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 22, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Feb 20, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Feb 18, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jan 31, 2025 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Jan 22, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 25, 2024 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 19, 2024 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jul 31, 2024 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jun 13, 2024 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| May 6, 2024 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| May 6, 2024 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Dec 27, 2023 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 8, 2023 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Sep 12, 2023 | Debt collection | Took or threatened to take negative or legal actionThreatened to arrest you or take you to jail if you do not pay | Explained |
| Jul 29, 2023 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 29, 2023 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| May 24, 2023 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | 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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