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 |
|---|---|---|---|
| Jun 30, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Mar 30, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Feb 19, 2025 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Feb 7, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Feb 5, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jan 9, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 23, 2024 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Oct 28, 2024 | 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 |
| Sep 6, 2024 | Debt collection | False statements or representationTold you not to respond to a lawsuit they filed against you | Explained |
| Jul 27, 2024 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Jul 17, 2024 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 1, 2024 | Debt collection | Threatened to contact someone or share information improperlyContacted you after you asked them to stop | Explained |
| Apr 29, 2024 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Feb 22, 2024 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Jan 31, 2024 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jan 24, 2024 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Jan 19, 2024 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 2, 2023 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 20, 2023 | Debt collection | Electronic communicationsFrequent or repeated messages | Explained |
| Jul 3, 2023 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jun 16, 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 |
| Apr 29, 2023 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Oct 22, 2022 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Mar 30, 2022 | Debt collection | Communication tacticsCalled before 8am or after 9pm | Explained |
| Jan 4, 2022 | Debt collection | Threatened to contact someone or share information improperlyContacted you after you asked them to stop | Explained |
| Dec 30, 2021 | Debt collection | False statements or representationImpersonated attorney, law enforcement, or government official | Explained |
| Dec 14, 2021 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 5, 2021 | Debt collection | Threatened to contact someone or share information improperlyContacted you after you asked them to stop | Explained |
| Jul 6, 2021 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 21, 2021 | 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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