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

Active Debt Collectors - Page 11

Sorted by most complaints

Southern Management Systems Inc.

F
5 total complaints → stable

Stellantis Financial Services US Corp.

D
5 total complaints ↑ rising

Stuart-Lippman and Associates, Inc

D
5 total complaints ↓ falling

UHG, LLC

F
5 total complaints ↓ falling

ULRS, Inc.

D
5 total complaints → stable

Valor Intelligent Processing, LLC

F
5 total complaints ↑ rising

Williams, Rush & Associates, LLC

F
5 total complaints ↑ rising

A.R.M. Solutions, Inc.

C
4 total complaints ↓ falling

ARC Management Group, LLC

D
4 total complaints ↓ falling

Alpine Credit, Inc

D
4 total complaints ↓ falling

American Accounts & Advisers, Inc.

D
4 total complaints ↓ falling

American Recovery Service Incorporated

D
4 total complaints ↓ falling

Atlantic Credit & Finance, Inc.

C
4 total complaints ↓ falling

BB&T Corporation

D
4 total complaints ↓ falling

BC Services, Inc.

F
4 total complaints ↓ falling

BHFC Financial Services INC

F
4 total complaints ↓ falling

Blackstad, Hrabe, Kirlorsky, LLC

C
4 total complaints → stable

Bliksum, LLC

F
4 total complaints ↓ falling

Byrider Franchising, LLC

D
4 total complaints → stable

CAC Financial Corp

D
4 total complaints → stable

Challenge Financial Services

C
4 total complaints ↑ rising

Check Into Cash Inc.

C
4 total complaints ↓ falling

Carter-Young, Inc.

F
4 total complaints → stable

Choice Recovery, Inc.

D
4 total complaints ↓ falling

Clark County Collection Service

D
4 total complaints → stable

Collection Consultants of California

F
4 total complaints ↓ falling

Collection Technology Incorporated

C
4 total complaints ↓ falling

Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)

D
4 total complaints ↓ falling

Credit Adjustment, Inc

A
4 total complaints → stable

Credit Associates of Maui, LTD

F
4 total complaints ↓ falling

Credit Center, LLC

C
4 total complaints → stable

Creditors Bureau Associates

D
4 total complaints → stable

DFC Global Corp.

D
4 total complaints ↓ falling

Diaz & Associates, Inc.

C
4 total complaints ↓ falling

DriveTime

C
4 total complaints → stable

EGL US, LLC

F
4 total complaints ↑ rising

Everest Receivable Services Inc.

C
4 total complaints → stable

Express Collections, Inc.

F
4 total complaints ↑ rising

F.H. Cann & Associates, Inc.

D
4 total complaints ↑ rising

Fidelity Capital Holdings, Inc

F
4 total complaints ↓ falling

Forest Recovery Services LLC

D
4 total complaints ↑ rising

Freedom Mortgage Company

B
4 total complaints → stable

Great Lakes

C
4 total complaints ↓ falling

Gulf Coast Collection Bureau, Inc.

D
4 total complaints ↓ falling

Global Processing Services, LLC

F
4 total complaints → stable

Granite Creditors Service, Inc.

A
4 total complaints ↓ falling

Green Square Company LLC.

F
4 total complaints ↓ falling

Healthcare Finance Direct LLC.

F
4 total complaints ↑ rising

Integral Recoveries, Inc.

B
4 total complaints ↓ falling

J. Mark Heldenbrand PC

B
4 total complaints ↓ falling

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

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.