CFPB Consumer Complaint Profile
LoanCare, LLC
Consumers have filed 7,744 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 7,744
- Total complaints
- Among the highest
- 688
- Last 12 months
- 98.9%
- Timely response
- Above median
- 55
- States affected
The verdict
LoanCare, LLC ranks #80 of 3,843 financial companies by CFPB complaint volume, with 7,744 complaints on record. Its on-time response rate is 98.9%, the 59th percentile among companies with 100+ complaints.
- #80
- of 3,843 companies by volume
- 98.9%
- on time (59th pctile)
- Mortgage
- most-complained product
- 55
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
LoanCare, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
98.9% Higher than most higher than 59% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 410 in 2024 to 649 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2012 | 53 |
| 2013 | 103 |
| 2014 | 112 |
| 2015 | 188 |
| 2016 | 358 |
| 2017 | 612 |
| 2018 | 565 |
| 2019 | 1,012 |
| 2020 | 1,015 |
| 2021 | 1,194 |
| 2022 | 632 |
| 2023 | 676 |
| 2024 | 410 |
| 2025 | 649 |
| 2026year in progress | 165 |
Complaints by State (Top 15)
Company Responses
LoanCare, LLC Complaint Concentration Profile
LoanCare, LLC is a high-volume CFPB cohort (7,744 complaints) - enough filings to measure how concentrated the product and issue mix is, not just the headline totals. Across 44 named product lines in the stored breakdown, the leading three (Mortgage, Mortgage, Mortgage) hold a 76.2% share of product-tagged complaints. The Herfindahl index on that product mix is 0.255 (1.0 = a single product owns every tagged complaint; lower = a broader book).
On the issue side, 15 named issues appear in the top list; the leading three (Trouble during payment process, Struggling to pay mortgage, Loan servicing, payments, escrow account) cover a 75.9% share of those mentions. That multi-issue footprint is the profile thin-volume companies cannot show - their pages stop at a short bar list because the sample cannot support a concentration read.
Geography tells a similar story: the top three states (California, Florida, Texas) hold a 35.7% share of state-tagged volume across 55 jurisdictions on file. A concentrated state trio can hint at regional servicing stress; a flatter map usually tracks a nationwide book.
Among coded company responses, "Closed with explanation" leads at a 99.0% share among the 7,744 response-tagged complaints (7,669 filings). Read that mix next to the timely-response and relief rates above - both describe process outcomes, not a finding of wrongdoing.
Peak filing year was 2021 (1,194 complaints); the lightest year on file was 2012 (53). From 2024 to 2025, annual volume rose 58.3% (410 → 649). Year-to-year swings at this volume usually track product launches, servicing changes, and consumer awareness more than a single-event spike.
What the CFPB Complaint Record Shows for LoanCare, LLC
The CFPB Consumer Complaint Database has logged 7,744 complaints against LoanCare, LLC overall, with 688 of those filed in the trailing 12 months. Reports have come from consumers in 55 states and territories, making this a nationwide complaint footprint. "Mortgage" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Trouble during payment process" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Within the Bureau's 15-day response window, LoanCare, LLC posts a 98.9% reply rate on forwarded complaints. That is at or above benchmark levels, a sign the company handles intake and escalation well. Consumers formally disputed the company's response at a 17.8% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 0.1% rate.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does LoanCare, LLC have?
7,744 complaints have been filed against LoanCare, LLC with the CFPB overall - 688 of them in the past year.
Does LoanCare, LLC respond to complaints on time?
LoanCare, LLC has a 98.9% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for LoanCare, LLC?
The most complained-about product for LoanCare, LLC is "Mortgage." You can view the full product breakdown on this page.
What is the most common complaint issue with LoanCare, LLC?
"Trouble during payment process" is the single most frequently cited issue in complaints against LoanCare, LLC - see all issues and counts above.
How do I file a complaint against LoanCare, LLC?
You can file a complaint against LoanCare, LLC directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about LoanCare, LLC?
Consumers in 55 states and territories have filed complaints about LoanCare, LLC with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for LoanCare, LLC: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar complaint volume
Nearest companies by total CFPB complaint count (7,744 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (17.8% here).
Also handles Mortgage
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.