State complaint profile
Debt collection complaints in Alabama
21,381 CFPB complaints filed against 1,136 debt collectors active in Alabama.
- Complaints
- 21,381
- Collectors
- 1,136
- Top collector
- CL Holdings LLC
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
Alabama at a glance
Alabama consumers have filed 21,381 CFPB debt-collection complaints against 1,136 collectors.
- 21,381
- CFPB complaints filed
- 1,136
- collectors active here
- #1
- most-complained: CL Holdings LLC
State-of-residence is the consumer's address at filing, not the collector's. A complaint is a consumer filing, not a proven violation.
Insights: Debt Collection in Alabama
Alabama filings are dispersed: the top three collectors hold only 15.3% of 21,381 complaints.
This is a dense end-of-ladder state. National debt buyers and the three credit bureaus usually dominate the chart above; use the state mix to see whether one buyer or bureau is over-indexed relative to volume peers before reading the national grade curve.
The collector with the most complaints from Alabama residents in this extract is CL Holdings LLC (15.3% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.
Most-complained-about collectors in Alabama
By complaints filed from this state
- CL Holdings LLC
CL Holdings LLC
1,279 complaints
- Resurgent Capital Services L.P.
Resurgent Capital Services L.P.
1,065 complaints
- Portfolio Recovery Associates, LLC
Portfolio Recovery Associates, LLC
936 complaints
- Encore Capital Group Inc.
Encore Capital Group Inc.
930 complaints
- Transunion Intermediate Holdings, Inc.
Transunion Intermediate Holdings, Inc.
894 complaints
- Equifax, Inc.
Equifax, Inc.
807 complaints
- Experian Information Solutions Inc.
Experian Information Solutions Inc.
784 complaints
- CCS Financial Services, Inc.
CCS Financial Services, Inc.
523 complaints
What this shows These eight collectors draw the most complaints from Alabama residents, usually national bureaus and large debt buyers operating in every state.
Where Alabama's 21,381 complaints concentrate
Top-three collectors vs the rest of this state's filings
- CL Holdings LLC 1,279
CL Holdings LLC
1,279 complaints
- Resurgent Capital Serv 1,065
Resurgent Capital Services L.P.
1,065 complaints
- Portfolio Recovery Ass 936
Portfolio Recovery Associates, LLC
936 complaints
- All other collectors
Remaining collectors in Alabama
18,101 complaints
What this shows The top three names account for 15.3% of Alabama filings in this extract, a state-specific concentration cut, not a national grade curve.
Active Debt Collectors
Sorted by most complaintsCL Holdings LLC
CResurgent Capital Services L.P.
DPortfolio Recovery Associates, LLC
DEncore Capital Group Inc.
DTransunion Intermediate Holdings, Inc.
DEquifax, Inc.
DExperian Information Solutions Inc.
DCCS Financial Services, Inc.
FI.C. System, Inc.
CNational Credit Adjusters, LLC
DNational Credit Systems,Inc.
DKriya Capital, LLC
DSpring Oaks Capital, LLC
FCapital ONE Financial Corporation
DHolloway Credit Solutions
DFranklin Collection Service, Inc.
DAmsher Collection Services, Inc.
DSynchrony Financial
DCaine & Weiner Company, Inc.
DERC
DAldous & Associates, PLLC
DHW Holding, Inc
DTransworld Systems Inc
DRadius Global Solutions LLC
DEastern Account Systems of Connecticut, Inc.
DCredit Systems International, Inc.
DTrueAccord Corp.
DNCB Management Services Inc.
DBread Financial Holdings, Inc.
CSunrise Credit Services, Inc
DW&A Intermediate Co., LLC
FMerchants Adjustment Service, Inc.
DThe CBE Group, Inc.
DConvergent Resources, Inc.
DAR Resources, Inc.
DWells Fargo & Company
DCitibank, N.a.
DWakefield & Associates, Inc.
FRentDebt Automated Collections, LLC
DAbility Recovery Services, LLC
DSecurity Credit Services, LLC
DCredit Acceptance Corporation
DSouthwest Credit Systems, L.P.
DJpmorgan Chase & Co.
DWorld Acceptance Corporation
DDiversified Consultants, Inc.
DHarris & Harris, Ltd.
DBTH Management
DAffirm Holdings, Inc
FSequium Asset Solutions, LLC
FIf a collector is contacting you in Alabama
High-volume states still start with the federal record, then verify any state-law question with an official source.
- Start with the densest Alabama names on the chart, then open each national record before you respond or pay. Browse rankings
- Demand written debt validation within 30 days of first contact - high-volume states see the same FDCPA clock. Validation letter
- File with the CFPB first (public record + 15-day company reply), then check official Alabama AG channels if needed. Your rights
Complaint volume reflects consumer filings, not collector misconduct or a legal conclusion. This is not legal advice.
Read our methodology - how this data is sourced, computed, and verified.
Read with Alabama
- CL Holdings LLC Leads Alabama complaint volume in this extract
- Tennessee complaint profile Nearest volume peer (21,990 complaints)
- Louisiana complaint profile Nearest volume peer (22,643 complaints)
- States by complaint volume Alabama sits in the dense end of the state ladder
- Debt validation letter High filing volume - written validation is the usual first step
- Compare collectors side-by-side Check response rates for the agencies contacting Alabama residents
According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.
Filing a Complaint as a Alabama Resident
Alabama's dense filing book means the CFPB channel at consumerfinance.gov/complaint is usually the fastest public-record path (15-day company reply). Parallel options: the Alabama attorney general's consumer division and the state banking-and-finance regulator that may license collectors here. Open the CFPB complaint form.
| Publisher | PlainCollector |
| Sources | the CFPB Consumer Complaint Database |