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 8, 2021 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Jun 8, 2021 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 13, 2021 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 2, 2021 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 25, 2021 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Mar 4, 2021 | Debt collection | False statements or representationImpersonated attorney, law enforcement, or government official | Explained |
| Feb 19, 2021 | Debt collection | False statements or representationImpersonated attorney, law enforcement, or government official | Explained |
| Feb 16, 2021 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 6, 2021 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jan 17, 2021 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jan 13, 2021 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jan 13, 2021 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Dec 14, 2020 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | Explained |
| Dec 1, 2020 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Nov 28, 2020 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 23, 2020 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 13, 2020 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 30, 2020 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Jul 8, 2020 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Apr 24, 2020 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Mar 26, 2020 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Mar 5, 2020 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Feb 11, 2020 | Debt collection | False statements or representationIndicated you were committing crime by not paying debt | Explained |
| Feb 6, 2020 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Feb 3, 2020 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Jan 30, 2020 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Dec 2, 2019 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 25, 2019 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Oct 2, 2019 | 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 |
| Oct 2, 2019 | 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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