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 0.3% 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. (0.3% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Active Debt Collectors - Page 4

Sorted by most complaints

Consumer Adjustment Company Incorporated

D
28 total complaints → stable

Credit Protection Association, L.P.

D
28 total complaints ↓ falling

Herbert P. Sears Co., Inc.

C
28 total complaints → stable

Law Office of James R. Vaughan, P.C.

D
28 total complaints ↓ falling

Nelnet, Inc.

D
28 total complaints ↑ rising

Synerprise Consulting Services, Inc.

C
28 total complaints ↑ rising

Alliance One, Inc.

D
27 total complaints ↓ falling

Enova International, Inc.

D
27 total complaints → stable

Hameroff Law Group, P.C.

C
27 total complaints ↓ falling

Waypoint Resource Group, LLC

F
27 total complaints ↑ rising

Credit Acceptance Corporation

D
26 total complaints ↑ rising

Grant & Weber

D
26 total complaints ↓ falling

ORG GC GP Buyer, LLC

D
26 total complaints ↓ falling

Paid in Full, Inc.

C
26 total complaints ↑ rising

Paypal Holdings, Inc

D
26 total complaints ↓ falling

Property Receivables, Corp

F
26 total complaints ↑ rising

Santander Consumer USA Holdings Inc.

D
26 total complaints ↓ falling

Bounce AI, Inc.

F
25 total complaints ↑ rising

Continental Finance Company, LLC

C
25 total complaints ↑ rising

Firstsource Business Process Services, LLC

D
25 total complaints → stable

General Business Recoveries, Inc.

F
25 total complaints ↓ falling

Lockhart, Morris & Montgomery Inc.

D
25 total complaints ↑ rising

Mohela

F
25 total complaints ↑ rising

Tenet Healthcare Corporation

D
25 total complaints ↓ falling

Adler Wallach & Associates, Inc.

D
24 total complaints ↓ falling

Delivery Financial Services, LLC

D
24 total complaints ↓ falling

Kimball, Tirey & St. John LLP

D
24 total complaints ↑ rising

NIC, Inc.

C
24 total complaints ↓ falling

Receivables Management Partners, LLC

D
24 total complaints ↓ falling

Reliant Capital Solutions, LLC

D
24 total complaints ↑ rising

AMCOL Systems, Inc.

D
23 total complaints ↓ falling

First National Collection Bureau, Inc.

D
23 total complaints ↓ falling

General Motors Financial Company, Inc.

D
23 total complaints ↑ rising

Populus Financial Group, Inc. (F/K/A Ace Cash Express)

D
23 total complaints ↓ falling

2288984 Ontario Inc.

C
22 total complaints ↑ rising

Adir International LLC

C
22 total complaints ↑ rising

Avadyne Health Holdings, Inc

C
22 total complaints ↓ falling

Contract Callers Inc

D
22 total complaints ↑ rising

Nissan Motor Acceptance Company LLC

C
22 total complaints → stable

Ray Klein, Inc.

D
22 total complaints ↓ falling

Client Services, Inc.

D
21 total complaints → stable

EdFinancial Services

C
21 total complaints ↑ rising

Hyundai Capital America

C
21 total complaints ↑ rising

Zions Debt Holdings

F
21 total complaints ↑ rising

American First Finance, Inc.

F
20 total complaints → stable

Applied Data Finance, LLC

D
20 total complaints ↑ rising

Jim Bottin Enterprises, Inc

D
20 total complaints → stable

Ocwen Financial Corporation

D
20 total complaints ↓ falling

Pinnacle Credit Services, LLC

D
20 total complaints ↓ falling

Progressive Financial Services, Inc.

C
20 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.