Debt collection
Spotloan debt collection complaints
Consumers have filed 251 complaints about Spotloan's debt collection, 23 in the last 12 months. Spotloan answered 100% on time and closed 0% with relief. See the whole Spotloan record.
Spotloan 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 | Spotloan | 23 | 100% | 0% |
Latest Spotloan debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 3, 2026 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Oct 22, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Sep 30, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Sep 23, 2026 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Sep 17, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Sep 15, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Sep 1, 2026 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Aug 9, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Aug 6, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 30, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Jul 28, 2026 | Debt collection | Electronic communicationsYou told them to stop contacting you, but they keep trying | Explained |
| Jul 16, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Jul 8, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jan 29, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Jan 29, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jan 26, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jan 13, 2026 | Debt collection | Electronic communicationsFrequent or repeated messages | Explained |
| Jan 12, 2026 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Jan 9, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jan 6, 2026 | Debt collection | Electronic communicationsFrequent or repeated messages | Explained |
| Dec 29, 2025 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Nov 18, 2025 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Nov 18, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Sep 16, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Sep 11, 2025 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Aug 30, 2025 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Aug 28, 2025 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Jul 9, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Jul 8, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jul 2, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | 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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