Debt collection
Guaranteed Rate debt collection complaints
Consumers have filed 10 complaints about Guaranteed Rate's debt collection, 3 in the last 12 months. Guaranteed Rate answered 100% on time and closed 0% with relief. See the whole Guaranteed Rate record.
Guaranteed Rate 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 | Guaranteed Rate | 3 | 100% | 0% |
Latest Guaranteed Rate debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 30, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jun 7, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 22, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 12, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 28, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Aug 12, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 30, 2024 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| May 3, 2024 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| May 6, 2021 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jan 4, 2019 | Debt collection | Attempts to collect debt not owedDebt was paid | 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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