State complaint profile

Debt collection complaints in Arizona

25,734 CFPB complaints filed against 1,405 debt collectors active in Arizona.

Complaints: 25,734
Collectors: 1,405
Top collector: Encore Capital Group Inc.

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Arizona at a glance

Arizona consumers have filed 25,734 CFPB debt-collection complaints against 1,405 collectors.

25,734
CFPB complaints filed: 1,405
collectors active here: #1
most-complained: Encore Capital Group Inc.

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 Arizona

Arizona filings are dispersed: the top three collectors hold only 11.7% of 25,734 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 Arizona residents in this extract is Encore Capital Group Inc. (11.7% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Encore Capital Group Inc.

1,112
Portfolio Recovery Associates, LLC

970
Transunion Intermediate Holdings, Inc.

933
Experian Information Solutions Inc.

909
Equifax, Inc.

867
Resurgent Capital Services L.P.

835
CL Holdings LLC

816
Transworld Systems Inc

438

What this shows These eight collectors draw the most complaints from Arizona residents, usually national bureaus and large debt buyers operating in every state.

Encore Capital Group I

1,112
Portfolio Recovery Ass

970
Transunion Intermediat

933
All other collectors

22,719

What this shows The top three names account for 11.7% of Arizona filings in this extract, a state-specific concentration cut, not a national grade curve.

Active Debt Collectors

Sorted by most complaints

If a collector is contacting you in Arizona

High-volume states still start with the federal record, then verify any state-law question with an official source.

Start with the densest Arizona 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 Arizona 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 Arizona

Encore Capital Group Inc. Leads Arizona complaint volume in this extract
Maryland complaint profile Nearest volume peer (25,302 complaints)
Michigan complaint profile Nearest volume peer (26,445 complaints)
States by complaint volume Arizona 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 Arizona residents

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 Arizona Resident

Arizona'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 Arizona attorney general's consumer division and the state banking-and-finance regulator that may license collectors here. Open the CFPB complaint form.

Compiled by PlainCollector, Debt Collector Reputation Editorial Process

Publisher	PlainCollector
Sources	the CFPB Consumer Complaint Database

Debt collection complaints in Arizona

Insights: Debt Collection in Arizona

Active Debt Collectors

Encore Capital Group Inc.

Portfolio Recovery Associates, LLC

Transunion Intermediate Holdings, Inc.

Experian Information Solutions Inc.

Equifax, Inc.

Resurgent Capital Services L.P.

CL Holdings LLC

Transworld Systems Inc

CCS Financial Services, Inc.

Capital ONE Financial Corporation

Kriya Capital, LLC

National Credit Systems,Inc.

Bread Financial Holdings, Inc.

Wells Fargo & Company

Synchrony Financial

Citibank, N.a.

Jpmorgan Chase & Co.

T.S. Holdings

U.S. Collections West, Inc.

Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis

I.C. System, Inc.

Radius Global Solutions LLC

Bank of America, National Association

Convergent Resources, Inc.

Caine & Weiner Company, Inc.

W&A Intermediate Co., LLC

Gurstel Law Firm, P.C.

Affirm Holdings, Inc

ERC

Harris & Harris, Ltd.

Medical Society Business Services, Inc.

Aldous & Associates, PLLC

American Express Company

Healthcare Collections-I, LLC

Thunderbird Collection Specialists, Inc.

Navient Solutions, LLC.

National Credit Adjusters, LLC

Servicer under contract with Federal Student Aid

Discover Bank

Spring Oaks Capital, LLC

RSI Enterprises, Inc.

Collections USA, Inc.

Sequium Asset Solutions, LLC

TD Bank US Holding Company

Afni Inc.

HW Holding, Inc

NCB Management Services Inc.

Central Portfolio Control Inc.

Cavalry Investments, LLC

Southwest Credit Systems, L.P.

Read with Arizona

Filing a Complaint as a Arizona Resident