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 0.5% 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 (0.5% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Active Debt Collectors - Page 3

Sorted by most complaints

Commonwealth Financial Systems, Inc.

F
35 total complaints ↓ falling

Security Finance Corp

C
35 total complaints ↑ rising

The Bureaus, Inc.

D
35 total complaints → stable

Velocity Portfolio Group

D
35 total complaints → stable

Colony Brands, Inc.

F
34 total complaints → stable

HCFS Healthcare Financial Services of TeamHealth

F
34 total complaints ↓ falling

Regions Financial Corporation

D
34 total complaints ↑ rising

Santander Consumer USA Holdings Inc.

D
34 total complaints ↓ falling

Midwest Recovery Systems

F
33 total complaints ↓ falling

Creditors Bureau Associates

D
32 total complaints → stable

Diversified Adjustment Service, Inc.

D
31 total complaints → stable

Phoenix Financial Services LLC

D
31 total complaints ↓ falling

Receivables Performance Management, LLC

D
31 total complaints ↓ falling

Law Office of Michael J. Scott, PC

D
30 total complaints → stable

Professional Debt Mediation, Inc.

F
30 total complaints → stable

Continental Services Group, Inc. d/b/a ConServe

C
29 total complaints → stable

Collection Bureau of Fort Walton Beach, Inc

D
28 total complaints ↓ falling

Iqor US Inc

D
28 total complaints ↓ falling

Zions Debt Holdings

F
28 total complaints ↑ rising

Asset Management Outsourcing, Inc.

D
27 total complaints ↓ falling

Capital Accounts, LLC

F
27 total complaints ↓ falling

Tenet Healthcare Corporation

D
27 total complaints ↓ falling

Bounce AI, Inc.

F
26 total complaints ↑ rising

ONLINE Information Services, Inc.

D
26 total complaints ↑ rising

TD Bank US Holding Company

D
26 total complaints ↑ rising

Williams & Fudge, Inc

D
26 total complaints → stable

Bridgecrest Acceptance Corporation

D
25 total complaints ↑ rising

CCF Intermediate Holdings LLC

F
25 total complaints ↑ rising

Community Choice Financial, Inc.

D
25 total complaints ↓ falling

Ditech Financial LLC

D
25 total complaints ↓ falling

Global Lending Services LLC

C
25 total complaints ↑ rising

Nathan & Nathan, P.C.

C
25 total complaints ↓ falling

Truist Financial Corporation

F
25 total complaints ↑ rising

The Outsource Group, Inc

F
25 total complaints ↓ falling

Credit Bureau of Bessemer, Inc

C
24 total complaints ↓ falling

Kikoff Inc.

F
24 total complaints ↑ rising

Nelnet, Inc.

D
24 total complaints ↑ rising

Synergetic Communication Inc

D
24 total complaints ↑ rising

1st Franklin Financial Corporation

D
23 total complaints ↑ rising

Army and Air Force Exchange Service

F
23 total complaints ↑ rising

EOS Holdings, Inc.

D
23 total complaints ↓ falling

Possible Financial Inc

F
23 total complaints ↑ rising

The Receivable Management Services LLC

D
23 total complaints ↑ rising

CLGF Holdco 1, LLC

F
22 total complaints ↑ rising

Smith, Rouchon & Associates, Inc.

C
22 total complaints ↑ rising

Advance America, Cash Advance Centers, Inc.

D
21 total complaints ↓ falling

Americas Car-Mart, Inc.

B
21 total complaints ↑ rising

Pinnacle Credit Services, LLC

D
21 total complaints ↓ falling

Acima Credit, LLC

C
20 total complaints ↑ rising

PNC Bank N.A.

D
20 total complaints → stable

If 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

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

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.