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 0.5% 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. (0.5% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Active Debt Collectors - Page 3

Sorted by most complaints

ProCollect, Inc.

F
44 total complaints ↑ rising

URS Holding, LLC

D
43 total complaints ↓ falling

Valley Collection Service, LLC

C
43 total complaints ↑ rising

Kikoff Inc.

F
42 total complaints ↑ rising

Bridgecrest Acceptance Corporation

D
41 total complaints ↑ rising

CURO Intermediate Holdings

D
41 total complaints ↓ falling

Self Financial Inc.

F
41 total complaints ↑ rising

Berlin-Wheeler, Inc. (Kansas)

C
40 total complaints ↓ falling

MRS BPO, LLC

D
39 total complaints → stable

MoneyLion Inc.

F
39 total complaints ↑ rising

Truist Financial Corporation

F
39 total complaints ↑ rising

RentDebt Automated Collections, LLC

D
38 total complaints ↑ rising

Auto Now Financial Services, Inc., Phoenix, AZ Branch

D
37 total complaints ↑ rising

Collection Management Holdings, LLC

F
37 total complaints ↑ rising

Toyota Motor Credit Corporation

D
37 total complaints ↑ rising

FC HoldCo LLC

C
36 total complaints ↑ rising

Oportun Financial Corporation

C
36 total complaints ↑ rising

USCB, Inc.

D
36 total complaints ↓ falling

Ad Astra Recovery Services Inc

D
35 total complaints ↓ falling

Expert Global Solutions, Inc.

D
35 total complaints ↓ falling

Exeter Finance, LLC.

D
35 total complaints ↑ rising

Optio Solutions, LLC

D
35 total complaints ↑ rising

Synergetic Communication Inc

D
35 total complaints ↑ rising

Collection Bureau of America Ltd.

F
34 total complaints ↓ falling

Halsted Financial Services, LLC.

D
34 total complaints ↑ rising

Security Credit Services, LLC

D
34 total complaints ↑ rising

Sequoia Financial Services

C
34 total complaints ↓ falling

Upgrade, Inc.

F
34 total complaints ↑ rising

Velocity Portfolio Group

D
34 total complaints → stable

Absolute Resolutions Corp.

C
33 total complaints ↑ rising

Bursey & Associates, P.C.

C
33 total complaints ↓ falling

Cash Time Title Loans, Inc.

D
33 total complaints ↑ rising

Kenneth, Eisen & Associates, LTD.

C
32 total complaints ↓ falling

Medical Data Systems, Inc.

D
32 total complaints ↓ falling

V and H Portfolio

D
32 total complaints ↑ rising

Westcreek Financial

F
31 total complaints ↑ rising

Capio Partners, LLC

C
30 total complaints → stable

Debt Recovery Solutions, LLC

D
30 total complaints → stable

McCarthy, Burgess & Wolff, Inc.

D
30 total complaints ↓ falling

R & B Corporation of Virginia

D
30 total complaints ↓ falling

The Receivable Management Services LLC

D
30 total complaints ↑ rising

United Services Automobile Association

D
30 total complaints → stable

AmeriCollect

D
29 total complaints ↓ falling

Credit Fresh Holdings Inc

F
29 total complaints ↑ rising

Monterey Financial Services LLC

D
29 total complaints ↑ rising

NCC Business Services, Inc.

D
29 total complaints ↓ falling

Opportunity Financial, LLC

C
29 total complaints ↑ rising

Unifin Inc.

D
29 total complaints ↑ rising

Army and Air Force Exchange Service

F
28 total complaints ↑ rising

Brown’s New Credit Bureau Inc.

C
28 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.