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 0.2% 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. (0.2% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Active Debt Collectors - Page 5

Sorted by most complaints

Southwest Recovery Services, Inc.

D
20 total complaints → stable

The Bureaus, Inc.

D
20 total complaints → stable

The Outsource Group, Inc

F
20 total complaints ↓ falling

Williams & Fudge, Inc

D
20 total complaints → stable

Cedars Business Services, LLC

D
19 total complaints ↑ rising

Colony Brands, Inc.

F
19 total complaints → stable

Crown Asset Management, LLC, Duluth, GA Branch

D
19 total complaints → stable

Designed Receivable Solutions, Inc.

D
19 total complaints ↓ falling

Emerald AR Systems, LLC

C
19 total complaints ↓ falling

BMO Bank National Association

18 total complaints ↑ rising

Citizens Financial Group, Inc.

C
18 total complaints → stable

CLGF Holdco 1, LLC

F
18 total complaints ↑ rising

Direct Recovery Services, LLC

F
18 total complaints ↓ falling

Harvard Collections, LLC

D
18 total complaints ↓ falling

LJ Ross Associates

D
18 total complaints ↑ rising

Paramount GR Holdings, LLC

F
18 total complaints ↑ rising

Paramount Recovery Systems, L.P.

D
18 total complaints ↓ falling

Sezzle Inc.

F
18 total complaints ↑ rising

The Moore Law Group

D
18 total complaints → stable

AES/Pheaa

D
17 total complaints ↓ falling

Account Recovery Services, Inc.

C
17 total complaints ↓ falling

Credit Systems International, Inc.

D
17 total complaints ↑ rising

Ditech Financial LLC

D
17 total complaints ↓ falling

National Collection Systems, Inc.

D
17 total complaints → stable

Nationwide Capital Services, LLC

F
17 total complaints ↑ rising

Patenaude & Felix A Professional Corporation

D
17 total complaints ↓ falling

Synovus Bank

C
17 total complaints ↓ falling

Blatt, Hasenmiller, Leibsker & Moore, LLC

D
16 total complaints ↓ falling

CCF Intermediate Holdings LLC

F
16 total complaints ↑ rising

First Advantage LNS Inc.

F
16 total complaints ↓ falling

Leafy Financial, LLC

F
16 total complaints ↑ rising

Pentagon Federal Credit Union

D
16 total complaints ↑ rising

RMS-Recovery Management Services, Inc.

C
16 total complaints → stable

Sterling Jewelers, Inc.

C
16 total complaints ↓ falling

The Best Service Co.,Inc

D
16 total complaints ↓ falling

Delbert Services

D
15 total complaints ↓ falling

Ecmc Group, Inc.

D
15 total complaints ↓ falling

First Credit Services Inc.

D
15 total complaints ↑ rising

Frost-Arnett Company

D
15 total complaints ↓ falling

Global Lending Services LLC

C
15 total complaints ↑ rising

Klarna AB

F
15 total complaints ↑ rising

Nationwide Recovery Systems, Ltd

D
15 total complaints ↓ falling

Allied Collection Services, Inc. (Nevada)

D
14 total complaints ↓ falling

Atlanticus Services Corporation

D
14 total complaints ↑ rising

BYL Collection Services

D
14 total complaints ↓ falling

Cactus Jacks Auto Sales

C
14 total complaints ↑ rising

Cascade Capital, LLC

D
14 total complaints → stable

Continental Services Group, Inc. d/b/a ConServe

C
14 total complaints → stable

Deinde Online Services, LLC

F
14 total complaints ↑ rising

Eastern Account Systems of Connecticut, Inc.

D
14 total complaints ↑ rising

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.