EMCC Holdings, LLC
154 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
EMCC Holdings, LLC complaint mix by product
- Debt collection 69 45.4% – 1% relief
- Credit reporting, 53 34.9% – 6% relief
- Credit reporting 13 8.6% – 0% relief
- Mortgage 8 5.3% – 0% relief
- Payday loan, 4 2.6% – 0% relief
- Credit card 3 2.0% – 0% relief
- Student loan 2 1.3% – 0% relief
How EMCC Holdings, LLC's 154 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 69 |
| Credit reporting, credit repair services, or other personal consumer reports | 53 |
| Credit reporting or other personal consumer reports | 13 |
| Mortgage | 8 |
| Payday loan, title loan, or personal loan | 4 |
| Credit card or prepaid card | 3 |
| Student loan | 2 |
| Credit card | 1 |
| Consumer Loan | 1 |
Top States
| State | Complaints |
|---|---|
| CA | 19 |
| NY | 16 |
| FL | 12 |
| TX | 11 |
| GA | 11 |
| PA | 11 |
| VA | 7 |
| AZ | 6 |
| SC | 6 |
| NV | 6 |
| OK | 6 |
| MD | 5 |
| NJ | 5 |
| LA | 4 |
| MO | 4 |
| IN | 4 |
| TN | 3 |
| MS | 2 |
| AR | 2 |
| IL | 2 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 42 |
| Incorrect information on your report | 33 |
| Problem with a credit reporting company's investigation into an existing problem | 19 |
| Improper use of your report | 15 |
| Written notification about debt | 9 |
| False statements or representation | 8 |
| Disclosure verification of debt | 4 |
| Problem with a company's investigation into an existing problem | 3 |
| Cont'd attempts collect debt not owed | 3 |
| Credit monitoring or identity theft protection services | 2 |
| Communication tactics | 2 |
| Closing on a mortgage | 2 |
| Trouble during payment process | 2 |
| Dealing with your lender or servicer | 2 |
| Problem when making payments | 2 |
| Delinquent account | 1 |
| Loan servicing, payments, escrow account | 1 |
| Problems when you are unable to pay | 1 |
| Getting the loan | 1 |
| Problem with a purchase shown on your statement | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2016 | 7 | 100% |
| 2017 | 7 | 100% |
| 2018 | 7 | 100% |
| 2019 | 12 | 100% |
| 2020 | 23 | 100% |
| 2021 | 33 | 100% |
| 2022 | 28 | 100% |
| 2023 | 22 | 95.5% |
| 2024 | 15 | 100% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About EMCC Holdings, LLC
EMCC Holdings, LLC's 154 logged complaints stay concentrated: only 29 states show a filing on record. 65.6% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - an unusually well-documented record. Records run from 2016 through 2024-05-17.
EMCC Holdings, LLC answers 99.4% of complaints inside the CFPB's tracked window and closes 97.4% with a written explanation. 2.6% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Attempts to collect debt not owed."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about EMCC Holdings, LLC.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Frequently Asked Questions
How many CFPB complaints does EMCC Holdings, LLC have?
154, per the CFPB's public complaint count for this company (see the full breakdown above).
Does EMCC Holdings, LLC respond to complaints on time?
99.4% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about EMCC Holdings, LLC?
"Attempts to collect debt not owed", filed under the "Debt collection" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.