Look up any debt collector
before they call you.
5,278 of 5,425 US debt collectors graded A–F using 1.1 million CFPB complaints filed with the federal Consumer Financial Protection Bureau.
- Collectors
- 5,425
- Complaints
- 1.1M
- States
- 56
- Data since
- 2013
The national picture
Across 5,278 graded debt collectors (5,425 in the directory), the most common CFPB complaint is collectors chasing a debt the consumer says isn't theirs - 456,120 filings, 40% of all complaints.
- 5,278
- debt collectors graded A–F
- 40%
- “debt not owed” - the top complaint
- 1,054
- collectors carry an F grade
- 90.6%
- answered inside the CFPB window
Built from 1.14 million complaints filed across 56 states. 147 directory firms lack enough signal for a grade. A complaint is a consumer filing, not a proven violation.
How are collectors graded?
Debt collectors by reputation grade
Grades are assigned on a curve, A through F
- A
A
1,059 collectors
- B
B
1,058 collectors
- C
C
1,064 collectors
- D
D
1,043 collectors
- F
F
1,054 collectors
What this shows Each grade holds about a fifth of all 5,278 graded collectors, a grade reflects how a collector ranks against its peers, not an absolute pass/fail score.
Market size vs. complaint intensity, by state
Each state's collector count (x) against complaints filed per collector on average (y). A state with many collectors is not automatically a state with intense per-collector complaint volume.
Worst-Rated Collectors
F-grade companies with the most complaints
CCS Financial Services, Inc.
FSpring Oaks Capital, LLC
FRowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
FT.S. Holdings
FProCollect, Inc.
FAffirm Holdings, Inc
FSequium Asset Solutions, LLC
FCommonwealth Financial Systems, Inc.
FHCFS Healthcare Financial Services of TeamHealth
FWhat are your rights under the FDCPA?
The Fair Debt Collection Practices Act gives you powerful protections. Here's what debt collectors cannot do:
No harassment
Cannot threaten, abuse, or use obscene language. Cannot call repeatedly to annoy you.
Restricted hours
Cannot call before 8am or after 9pm in your local time zone.
Cease communication
Must stop contacting you if you send a written cease-communication request.
Debt validation
Must provide written verification of the debt within 30 days if you request it.
Workplace restrictions
Cannot contact you at work if you or your employer prohibits it.
No false statements
Cannot misrepresent who they are, the debt amount, or threaten legal action they cannot take.
Browse by State
Find top complaint states and local debt collectors
Consumer Guides
Your Rights Under the FDCPA
A complete guide to debt collection rules and your legal protections.
Read guide →How to Verify a Debt Collector
Spot scams and confirm legitimacy before paying anything.
Read guide →Debt Validation Letter Template
Step-by-step guide to writing a debt validation letter with a free template.
Read guide →What Happens If You Ignore a Debt Collector
State-by-state guide to consequences and safe options.
Read guide →Related Guides
Editorial context for the plaincollector dataset, methodology, comparisons, and deep dives into the underlying records.
How to Write a Debt Validation Letter (Template + Guide)
In-depth guide with context and practical steps.
Your Rights Under the FDCPA: A Complete Guide to Debt Collection Rules
In-depth guide with context and practical steps.
What Happens If You Ignore a Debt Collector: State-by-State Guide
In-depth guide with context and practical steps.
Live Data Products
Every page renders directly from the current CFPB Consumer Complaint Database, no curated narrative layer that could drift from the underlying dataset. See methodology.
Collector Search
Search collectors by name to surface complaint counts, response rates, and category breakdowns from the CFPB Consumer Complaint Database.
Live DataState Complaint Data
State-level complaint volumes and patterns across the United States, including top collectors per state.
Live DataLive Rankings
Live rankings of collectors, states, and complaint categories, always current with the latest CFPB data.
What to do with this
5,278 of 5,425 debt collectors carry a computed A-F grade from 1.1 million CFPB complaints. Use the tools below to check a specific collector before you respond to one.
- Look up a specific collector by name for its complaint history and reputation grade. Search collectors
- Compare complaint volume and grades for collectors active in your own state. Browse states
- See the worst and best-rated collectors nationally, always current with the latest CFPB data. View rankings
A complaint is a consumer filing, not a proven violation. Grades reflect CFPB-derived complaint volume and response patterns, not a legal finding against any collector.
About this data
How PlainCollector works, and why you can trust these grades
What this site is
PlainCollector is a free database of debt collector complaint records drawn from the CFPB Consumer Complaint Database. We summarize each collector's complaint volume, response rate, and dispute rate into a plain letter grade (A-F), and every underlying figure is CFPB public data, never verified or adjudicated by us or the CFPB.
Editorial process
- Source. Pull the latest consumer complaint records directly from the CFPB Consumer Complaint Database, refreshed as the CFPB releases new data.
- Verify. Each collector's complaint counts, response timeliness, and dispute rates are computed straight from the CFPB's own fields, with no manual editing of underlying figures.
- Publish. Compile a per-collector page with a computed reputation grade, complaint history, and category breakdown, plus state and national rankings.
Editorial independence & corrections
The PlainCollector is independent and accepts no payment, sponsorship, or promoted placement from any debt collector. Found an error or a stale record? File a correction via the contact page; we review corrections and publish updates with a visible revision note. See our methodology for full source attribution and grading formula.
Frequently asked
What is PlainCollector?
PlainCollector is a free database of debt collector complaint data from the CFPB Consumer Complaint Database. Search any debt collection company to see their complaint history, response rates, and reputation grade.
What does a reputation grade mean?
Grades (A–F) reflect complaint volume relative to company size, timely response rates, consumer dispute rates, and complaint trend direction. A-grade collectors have minimal complaints and high response rates; F-grade collectors have many complaints and poor performance.
Is this data official CFPB data?
Yes. All data comes directly from the CFPB Consumer Complaint Database, a public dataset. Complaint data reflects what consumers reported, complaints are not verified or adjudicated by the CFPB.
How do I file a complaint about a debt collector?
File a complaint at consumerfinance.gov/complaint or call 1-855-411-CFPB (2372). You can also file with the FTC at reportfraud.ftc.gov and your state attorney general.
Key findings and downloadable extract: /statistics. Download the graded-collector snapshot: collector-complaint-statistics.csv (same CSV as /statistics, CC0).
| Publisher | PlainCollector |
| Sources | the CFPB Consumer Complaint Database |