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

Active Debt Collectors - Page 13

Sorted by most complaints

Ascension Point Recovery Services, LLC

C
3 total complaints ↓ falling

Auto Credit Corporation of Jonesboro, iNC.

3 total complaints ↑ rising

Ava Finance, Inc

F
3 total complaints ↑ rising

Berman & Rabin, P.A.

D
3 total complaints → stable

Business & Professional Collection Service Inc

C
3 total complaints ↓ falling

Commerce Bank

B
3 total complaints ↑ rising

Credit Bureau of Napa County, Inc.

D
3 total complaints ↓ falling

Capital Credit and Collection Service, Inc.

C
3 total complaints ↓ falling

Carmichael & Frost LLC

D
3 total complaints ↑ rising

Cascade Collections, Inc.

F
3 total complaints ↓ falling

Castle Credit Co Holdings, LLC, Chicago, IL Branch

C
3 total complaints ↓ falling

Central States Recovery, Inc.

C
3 total complaints ↓ falling

Collection Resources, Inc.

C
3 total complaints ↓ falling

Columbia Recovery Group LLC

F
3 total complaints ↓ falling

Consolidated Recovery Group, LLC

D
3 total complaints ↓ falling

Cottonwood Financial Ltd.

C
3 total complaints ↓ falling

Credit Card Acquisitions Group

F
3 total complaints ↑ rising

D2 Management LLC

D
3 total complaints → stable

DRB-40, LLC

C
3 total complaints ↑ rising

Dynamic Recovery Services, Inc.

F
3 total complaints ↓ falling

DigniFi

D
3 total complaints ↑ rising

EMCC Holdings, LLC

C
3 total complaints ↓ falling

Escallate, LLC

D
3 total complaints ↓ falling

Evergreen Professional Recoveries, Inc.

C
3 total complaints ↓ falling

Early Warning Services, LLC

B
3 total complaints ↑ rising

Emerald Canyon Capital, LLC

C
3 total complaints ↓ falling

Estate Information Services, LLC

C
3 total complaints ↓ falling

Ewing & Ewing Attorneys, P.C.

A
3 total complaints ↓ falling

Federated Capital Corporation

C
3 total complaints ↓ falling

Financial Asset Management Systems Inc

C
3 total complaints ↓ falling

Finmax Smart Capital LLC

D
3 total complaints → stable

First Investors Servicing Corporation, Atlanta, GA Branch

C
3 total complaints ↓ falling

FirstPoint Collection Resources

D
3 total complaints → stable

FlexShopper, Inc

D
3 total complaints → stable

Fresh Start Funding, LLC

B
3 total complaints ↑ rising

Full Circle Financial Services, LLC

B
3 total complaints ↓ falling

GLA Collection Company, Inc.

D
3 total complaints ↓ falling

Global Solution BIZ LLC.

F
3 total complaints → stable

GMA Investments, LLC

F
3 total complaints ↓ falling

GVA Holdings, LLC

C
3 total complaints ↓ falling

Garcadia Financial LLC

B
3 total complaints ↓ falling

Global Portfolio Recovery, LLC

F
3 total complaints ↓ falling

Great American Finance Co

C
3 total complaints → stable

Green & Sons Agency, Inc.

F
3 total complaints → stable

GreenSky, LLC

D
3 total complaints ↓ falling

Happy Money, Inc.

F
3 total complaints ↑ rising

Home Loan Center, Inc.

B
3 total complaints ↓ falling

Immediate Credit Recovery

D
3 total complaints ↓ falling

Innovative Debt Recovery, Inc.

F
3 total complaints ↓ falling

Jon Barry and Associates, Inc.

C
3 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.