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 6

Sorted by most complaints

First Portfolio Servicing Inc

F
14 total complaints ↑ rising

Ford Motor Credit Co.

D
14 total complaints → stable

KLS Financial Services, Inc

F
14 total complaints → stable

Prestige Financial Services Inc

C
14 total complaints ↓ falling

Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch

D
14 total complaints ↓ falling

Weinberg Mediation Group LLC

F
14 total complaints ↓ falling

A & O Recovery Solutions, LLC

F
13 total complaints ↑ rising

Bbva Financial Corporation

C
13 total complaints ↓ falling

Blitt and Gaines, P.C.

D
13 total complaints → stable

Cashcall, Inc.

D
13 total complaints ↓ falling

Consumer Portfolio Services, Inc.

D
13 total complaints ↑ rising

First National Bank of Omaha

D
13 total complaints → stable

Financial Credit Service, Inc.

D
13 total complaints ↓ falling

Frontline Asset Strategies, LLC

D
13 total complaints ↓ falling

JH Portfolio Debt Equities, LLC

D
13 total complaints ↓ falling

Mariner Finance, LLC

D
13 total complaints ↑ rising

Mountain America Federal Credit Union

D
13 total complaints ↑ rising

Monarch Recovery Holdings, Inc.

D
13 total complaints → stable

Real Time Group, Inc.

D
13 total complaints ↓ falling

Shellpoint Partners, LLC

D
13 total complaints → stable

United PanAm Financial Corp.

C
13 total complaints ↑ rising

Weltman, Weinberg & Reis Co., L.P.A.

D
13 total complaints ↓ falling

ARS National Services, Inc.

C
12 total complaints ↓ falling

Community Choice Financial, Inc.

D
12 total complaints ↓ falling

Capital Accounts, LLC

F
12 total complaints ↓ falling

Fiserv Finxact Core

F
12 total complaints → stable

Financial Assistance Inc

C
12 total complaints → stable

Galaxy Capital Acquisitions, LLC

D
12 total complaints ↓ falling

Goal Structured Solutions, LLC

F
12 total complaints ↑ rising

Hammerman & Hultgren, P.C.

C
12 total complaints ↓ falling

January Technologies, Inc

F
12 total complaints ↑ rising

Lendmark Financial Services

D
12 total complaints ↑ rising

Mercantile Adjustment Bureau, LLC

D
12 total complaints ↓ falling

Mark A. Kirkorsky, PC

D
12 total complaints ↓ falling

Meridian Financial Services, Inc.

D
12 total complaints ↑ rising

N.A.R., Inc.

D
12 total complaints ↓ falling

Nationstar Mortgage LLC

D
12 total complaints ↓ falling

National Enterprise Systems, Inc.

D
12 total complaints ↓ falling

Nelson Cruz & Associates LLC

F
12 total complaints ↑ rising

Northland Group Inc

C
12 total complaints ↓ falling

Northstar Location Services, LLC

D
12 total complaints ↓ falling

RGS Financial, Inc.

D
12 total complaints ↓ falling

SLM Corporation

C
12 total complaints → stable

Seidberg Law Offices, P.C.

C
12 total complaints ↓ falling

Shepherd Outsourcing, LLC

F
12 total complaints ↑ rising

Strategic Alliances, Inc.

D
12 total complaints ↓ falling

The Law Offices of Mitchell D. Bluhm & Associates

C
12 total complaints ↓ falling

Vericheck

F
12 total complaints ↑ rising

AAA Auto Title Loans, LLC

C
11 total complaints → stable

Atlantic Recovery Solutions LLC

D
11 total complaints → stable

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.