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 0.3% 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 (0.3% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Active Debt Collectors - Page 4

Sorted by most complaints

Armstrong and Associates, Inc

D
19 total complaints → stable

Monterey Financial Services LLC

D
19 total complaints ↑ rising

Carter-Young, Inc.

F
18 total complaints → stable

Consumer Portfolio Services, Inc.

D
18 total complaints ↑ rising

Diverse Funding Associates LLC

D
18 total complaints ↑ rising

HSBC North America Holdings Inc.

D
18 total complaints ↓ falling

Receivables Management Partners, LLC

D
18 total complaints ↓ falling

United Services Automobile Association

D
18 total complaints → stable

Dynamic Recovery Solutions, LLC

D
17 total complaints ↓ falling

Fair Collections & Outsourcing, Inc.

D
17 total complaints ↑ rising

Professional Collection Service Inc (GA)

B
17 total complaints ↑ rising

TekCollect Inc.

D
17 total complaints ↑ rising

Telerecovery Corporation

F
17 total complaints → stable

Trident Asset Management, L.L.C.

F
17 total complaints ↓ falling

American Profit Recovery, Inc., Marlborough, MA Branch

C
16 total complaints → stable

Collection Receivables, Inc.

D
16 total complaints ↑ rising

Community Health Investment Company, LLC.

D
16 total complaints ↓ falling

General Motors Financial Company, Inc.

D
16 total complaints ↑ rising

InDebted Corporation

F
16 total complaints ↑ rising

JH Portfolio Debt Equities, LLC

D
16 total complaints ↓ falling

MoneyLion Inc.

F
16 total complaints ↑ rising

United Collection Bureau, Inc.

D
16 total complaints → stable

Conn's, Inc.

D
15 total complaints ↓ falling

Credit Protection Association, L.P.

D
15 total complaints ↓ falling

Risecredit, LLC

D
15 total complaints ↓ falling

Synovus Bank

C
15 total complaints ↓ falling

Citizens Financial Group, Inc.

C
14 total complaints → stable

Cedars Business Services, LLC

D
14 total complaints ↑ rising

Lendmark Financial Services

D
14 total complaints ↑ rising

Moxley & Associates, LLC

B
14 total complaints ↓ falling

Opportunity Financial, LLC

C
14 total complaints ↑ rising

Paypal Holdings, Inc

D
14 total complaints ↓ falling

AES/Pheaa

D
13 total complaints ↓ falling

F.H. Cann & Associates, Inc.

D
13 total complaints ↑ rising

FC HoldCo LLC

C
13 total complaints ↑ rising

Goldman Sachs Bank USA

F
13 total complaints ↑ rising

Southern Management Systems Inc.

F
13 total complaints → stable

Upgrade, Inc.

F
13 total complaints ↑ rising

Accscient, LLC

F
12 total complaints → stable

Alliance One, Inc.

D
12 total complaints ↓ falling

Atlanticus Services Corporation

D
12 total complaints ↑ rising

Contract Callers Inc

D
12 total complaints ↑ rising

CarMax, Inc.

C
12 total complaints ↑ rising

Client Services, Inc.

D
12 total complaints → stable

Credit & Collection Recovery Services, Inc.

B
12 total complaints ↓ falling

First Federal Credit Control, Inc.

D
12 total complaints ↓ falling

FirstPoint Collection Resources

D
12 total complaints → stable

Frost-Arnett Company

D
12 total complaints ↓ falling

January Technologies, Inc

F
12 total complaints ↑ rising

Mariner Finance, LLC

D
12 total complaints ↑ rising

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.