State complaint profile

Debt collection complaints in California

112,020 CFPB complaints filed against 2,387 debt collectors active in California.

Complaints
112,020
Collectors
2,387
Top collector
Portfolio Recovery Associates, LLC

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

California at a glance

California consumers have filed 112,020 CFPB debt-collection complaints against 2,387 collectors.

112,020
CFPB complaints filed
2,387
collectors active here
#1
most-complained: Portfolio Recovery Associates, LLC

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 California

California filings are dispersed: the top three collectors hold only 0.1% of 112,020 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 California residents in this extract is Portfolio Recovery Associates, LLC (0.1% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Active Debt Collectors - Page 10

Sorted by most complaints

Westcreek Financial

F
24 total complaints ↑ rising

Avante

D
23 total complaints ↓ falling

Access Capital Services, Inc.

D
23 total complaints ↓ falling

BYL Collection Services

D
23 total complaints ↓ falling

Credigy USA Corp.

C
23 total complaints ↓ falling

Carter-Young, Inc.

F
23 total complaints → stable

Check Security Associates, LLC

F
23 total complaints ↓ falling

Lewis, McDonnell & Associates

F
23 total complaints ↓ falling

Servatus Corporation

D
23 total complaints ↓ falling

United Resource Systems, Inc

F
23 total complaints ↓ falling

Valentine and Kebartas, Inc.

C
23 total complaints ↓ falling

Worldwide Processing Group, LLC

F
23 total complaints ↓ falling

4M Collections, LLC

C
22 total complaints ↑ rising

American Recovery Service Incorporated

D
22 total complaints ↓ falling

Credit Systems International, Inc.

D
22 total complaints ↑ rising

GreenSky, LLC

D
22 total complaints ↓ falling

Kingston Data & Credit International Inc.

F
22 total complaints ↑ rising

LDF Holdings, LLC

C
22 total complaints ↓ falling

MNE Services, Inc

D
22 total complaints ↓ falling

Marlette Funding, LLC

D
22 total complaints ↑ rising

Pennymac Loan Services, LLC.

D
22 total complaints ↑ rising

Quall Cardot LLP

C
22 total complaints ↓ falling

Rausch Sturm LLP

F
22 total complaints ↑ rising

Second Alliance, Inc.

C
22 total complaints ↑ rising

Sezzle Inc.

F
22 total complaints ↑ rising

Statebridge Company

C
22 total complaints ↓ falling

Windham Professionals, Inc.

D
22 total complaints ↓ falling

Aspen National Financial, Inc.

D
21 total complaints ↓ falling

Collections Acquisition Company, Inc.

F
21 total complaints ↓ falling

Commercial Recovery Systems

F
21 total complaints ↓ falling

Credit Card Acquisitions Group

F
21 total complaints ↑ rising

Harvard Collections, LLC

D
21 total complaints ↓ falling

Lamont, Hanley & Associates, Inc.

C
21 total complaints ↓ falling

Oliphant Financial, LLC

D
21 total complaints ↓ falling

Premier Auto Credit

C
21 total complaints ↑ rising

Professional Debt Mediation, Inc.

F
21 total complaints → stable

Reese Law Group

D
21 total complaints → stable

Solidus Group LLC.

F
21 total complaints ↓ falling

ARM WNY LLC

F
20 total complaints ↓ falling

Atlantic Credit & Finance, Inc.

C
20 total complaints ↓ falling

Big Picture Loans, LLC

C
20 total complaints ↓ falling

Bleier & Cox APC

C
20 total complaints ↓ falling

Bonneville Billing and Collections

D
20 total complaints ↑ rising

Butte County Credit Bureau

C
20 total complaints ↓ falling

C B Merchant Services

B
20 total complaints ↓ falling

Cherry Technologies Inc.

F
20 total complaints ↑ rising

Conrad Credit Corporation

F
20 total complaints ↓ falling

Complete Credit Solutions, Inc.

D
20 total complaints → stable

Delta Management Associates, Inc.

D
20 total complaints ↓ falling

GMA Investments, LLC

F
20 total complaints ↓ falling

If a collector is contacting you in California

High-volume states still start with the federal record, then verify any state-law question with an official source.

  • Start with the densest California 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 California 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 California

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 California Resident

California'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 California attorney general's consumer division and the state banking-and-finance regulator that may license collectors here. Open the CFPB complaint form.