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 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. (1% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Active Debt Collectors - Page 2

Sorted by most complaints

R.M. Galicia, Inc.

D
89 total complaints ↓ falling

Barclays Bank Delaware

D
85 total complaints ↑ rising

Goldman Sachs Bank USA

F
85 total complaints ↑ rising

TrueAccord Corp.

D
83 total complaints ↑ rising

Diversified Consultants, Inc.

D
76 total complaints ↓ falling

Conn's, Inc.

D
75 total complaints ↓ falling

Westlake Services, LLC

D
75 total complaints ↑ rising

Sunrise Credit Services, Inc

D
74 total complaints ↑ rising

Credit Control, LLC

F
73 total complaints ↑ rising

OneMain Finance Corporation

F
73 total complaints ↑ rising

Johnson Mark LLC

D
72 total complaints → stable

Ally Financial Inc.

D
69 total complaints ↑ rising

Ability Recovery Services, LLC

D
68 total complaints ↑ rising

Diversified Adjustment Service, Inc.

D
68 total complaints → stable

EOS Holdings, Inc.

D
68 total complaints ↓ falling

U.s. Bancorp

D
68 total complaints ↓ falling

I.q. Data International, Inc.

D
67 total complaints ↓ falling

Navy Federal Credit Union

D
66 total complaints ↑ rising

Wakefield & Associates, Inc.

F
66 total complaints ↓ falling

Fair Collections & Outsourcing, Inc.

D
65 total complaints ↑ rising

Amsher Collection Services, Inc.

D
63 total complaints ↓ falling

Commonwealth Financial Systems, Inc.

F
62 total complaints ↓ falling

RevSolve, Inc.

D
62 total complaints ↓ falling

Patient Accounting Service Center

D
61 total complaints → stable

Credit Corp Solutions Inc.

D
60 total complaints ↑ rising

Stellar Recovery, Inc.

D
59 total complaints ↓ falling

United Collection Bureau, Inc.

D
58 total complaints → stable

Receivables Performance Management, LLC

D
57 total complaints ↓ falling

Phoenix Financial Services LLC

D
56 total complaints ↓ falling

Upstart Holdings, Inc.

F
55 total complaints ↑ rising

NRA Group, LLC

D
54 total complaints ↑ rising

Guglielmo and Associates

D
53 total complaints → stable

Rent Recovery Solutions

F
53 total complaints ↑ rising

The CMI Group, Inc.

D
53 total complaints ↓ falling

The CBE Group, Inc.

D
52 total complaints → stable

Alorica Inc.

D
51 total complaints ↓ falling

Source Receivables Management LLC

D
51 total complaints ↑ rising

Aargon Agency, Inc.

F
49 total complaints → stable

CNG Financial Corporation

D
49 total complaints → stable

HCFS Healthcare Financial Services of TeamHealth

F
49 total complaints ↓ falling

Iqor US Inc

D
49 total complaints ↓ falling

Santander Holdings USA, Inc.

F
49 total complaints ↑ rising

Acima Credit, LLC

C
48 total complaints ↑ rising

ONLINE Information Services, Inc.

D
48 total complaints ↑ rising

Penn Credit Corporation

D
47 total complaints ↓ falling

HSBC North America Holdings Inc.

D
46 total complaints ↓ falling

TekCollect Inc.

D
46 total complaints ↑ rising

BTH Management

D
45 total complaints ↑ rising

CMRE Financial Services, Inc.

D
45 total complaints ↓ falling

Dynamic Recovery Solutions, LLC

D
45 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.