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 |
|---|---|---|---|
| Apr 10, 2023 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Mar 24, 2023 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Mar 16, 2023 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Explained |
| Nov 2, 2022 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Sep 4, 2021 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 18, 2020 | Debt collection | False statements or representationImpersonated attorney, law enforcement, or government official | Money back |
| Apr 19, 2020 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 3, 2018 | Debt collection | False statements or representationAttempted to collect wrong amount | 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.
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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