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 0.1% 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 (0.1% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Active Debt Collectors - Page 7

Sorted by most complaints

Onemain Financial Holdings, LLC.

D
7 total complaints ↓ falling

Omega RMS, LLC

D
7 total complaints ↑ rising

Real Time Group, Inc.

D
7 total complaints ↓ falling

Torriere Holdings INC

C
7 total complaints ↑ rising

U.S. Auto Credit Corporation

D
7 total complaints ↑ rising

Valor Intelligent Processing, LLC

F
7 total complaints ↑ rising

Williams, Rush & Associates, LLC

F
7 total complaints ↑ rising

AMCOL Systems, Inc.

D
6 total complaints ↓ falling

ARM WNY LLC

F
6 total complaints ↓ falling

Absolute Recovery Services, LLC

D
6 total complaints ↑ rising

Allied Collection Services, Inc. (Nevada)

D
6 total complaints ↓ falling

AmeriCollect

D
6 total complaints ↓ falling

Automated Collection Services, Inc.

D
6 total complaints ↓ falling

Caliber Home Loans, Inc.

D
6 total complaints ↓ falling

Cawley & Bergmann, LLP

D
6 total complaints ↓ falling

Collection Bureau of the Hudson Valley, Inc.

D
6 total complaints ↓ falling

Credit Bureau Systems, Inc., Paducah, KY Branch

D
6 total complaints → stable

Delbert Services

D
6 total complaints ↓ falling

Duvera Billing Services, LLC

D
6 total complaints ↓ falling

EdFinancial Services

C
6 total complaints ↑ rising

First Heritage Credit LLC

C
6 total complaints ↓ falling

Financial Credit Service, Inc.

D
6 total complaints ↓ falling

Goldcar Lending Inc.

F
6 total complaints ↑ rising

Green Square Company LLC.

F
6 total complaints ↓ falling

Independence Capital Recovery, LLC

D
6 total complaints ↑ rising

JTM Capital Management, LLC

F
6 total complaints ↓ falling

KLS Financial Services, Inc

F
6 total complaints → stable

Kashable LLC

D
6 total complaints ↑ rising

LJ Ross Associates

D
6 total complaints ↑ rising

LTD Financial Services, L.P.

D
6 total complaints ↓ falling

Marlette Funding, LLC

D
6 total complaints ↑ rising

Merchants and Medical Credit Corporation, Inc.

D
6 total complaints ↓ falling

Nationwide Capital Services, LLC

F
6 total complaints ↑ rising

Nelson Cruz & Associates LLC

F
6 total complaints ↑ rising

Pinnacle Recovery, Inc.

D
6 total complaints ↓ falling

Ray Klein, Inc.

D
6 total complaints ↓ falling

Revco Management, LLC

F
6 total complaints ↑ rising

Second Round Limited Partnership, Austin, TX Branch

D
6 total complaints ↓ falling

Shepherd Outsourcing, LLC

F
6 total complaints ↑ rising

Stellantis Financial Services US Corp.

D
6 total complaints ↑ rising

Toyota Motor Credit Corporation

D
6 total complaints ↑ rising

Triton Management Group, Inc

B
6 total complaints ↓ falling

United Revenue Corporation

F
6 total complaints → stable

A.R.M. Solutions, Inc.

C
5 total complaints ↓ falling

Accelerated Financial Solutions, LLC

D
5 total complaints ↓ falling

Alliant Capital Management LLC

D
5 total complaints → stable

Andrews & Cox, P.C.

C
5 total complaints → stable

Applied Data Finance, LLC

D
5 total complaints ↑ rising

Atlantic Recovery Solutions LLC

D
5 total complaints → stable

BMW Financial Services NA, LLC

D
5 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.