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

Active Debt Collectors - Page 14

Sorted by most complaints

National Recoveries, Inc.

C
12 total complaints ↓ falling

Optimum Outcomes, Inc.

F
12 total complaints ↓ falling

Orion Capital Solutions LLC

D
12 total complaints → stable

Prime Business Service, LLC

C
12 total complaints ↓ falling

RC Willey

D
12 total complaints ↑ rising

Recovery One, LLC

D
12 total complaints ↓ falling

SRA Associates, Inc.

C
12 total complaints ↓ falling

The Affiliated Group, Inc

C
12 total complaints ↓ falling

USI Solutions Inc.

C
12 total complaints ↓ falling

A-L Financial Corp

C
11 total complaints ↑ rising

ACS Education Services

D
11 total complaints ↓ falling

Alliant Credit Union

D
11 total complaints ↑ rising

Brennan & Clark, Ltd., LLC

D
11 total complaints ↓ falling

Carrington Mortgage Services, LLC

C
11 total complaints ↓ falling

Caneel Capital, LLC

D
11 total complaints ↓ falling

Capital Link Management, LLC

F
11 total complaints ↓ falling

Constar Financial Services, LLC

D
11 total complaints ↓ falling

Credit Bureau of San Luis Obispo & Santa Barbara Counties

B
11 total complaints ↓ falling

Driveway Finance Corporation

D
11 total complaints ↑ rising

Fig Tech Inc.

D
11 total complaints ↑ rising

Holloway Credit Solutions

D
11 total complaints ↓ falling

JTM Capital Management, LLC

F
11 total complaints ↓ falling

Kovo

D
11 total complaints ↑ rising

Mediation Recovery Center

C
11 total complaints ↑ rising

Medical Business Bureau

F
11 total complaints ↓ falling

Merchants' Credit Guide Company

D
11 total complaints ↓ falling

Mnet Financial Inc

C
11 total complaints → stable

NPG Associates, Inc.

D
11 total complaints ↑ rising

National Check Resolution Inc.

C
11 total complaints ↓ falling

Nations Recovery Center

D
11 total complaints ↓ falling

Regional Management Corporation

D
11 total complaints ↑ rising

Revenue Recovery Bureau (Closed)

B
11 total complaints ↓ falling

Stoneleigh Recovery Associates, LLC

D
11 total complaints ↓ falling

Selene Holdings LLC

D
11 total complaints → stable

The Phoenix Recovery Group

F
11 total complaints → stable

3rd Generation, Inc.

C
10 total complaints ↓ falling

Admin Recovery, LLC

D
10 total complaints ↓ falling

American Profit Recovery, Inc., Marlborough, MA Branch

C
10 total complaints → stable

Ascendium Education Group

F
10 total complaints ↓ falling

Automated Accounts Management Services

C
10 total complaints ↓ falling

Automatic Data Processing, Inc.

F
10 total complaints ↓ falling

Bankers Auto Acceptance

C
10 total complaints ↓ falling

Bayside Capital Services, LLC

F
10 total complaints ↓ falling

Berman & Rabin, P.A.

D
10 total complaints → stable

Biehl & Biehl, Inc

D
10 total complaints ↓ falling

Chime Financial Inc

D
10 total complaints ↑ rising

EMCC Holdings, LLC

C
10 total complaints ↓ falling

Evergreen Professional Recoveries, Inc.

C
10 total complaints ↓ falling

Everest Receivable Services Inc.

C
10 total complaints → stable

FMS Inc.

C
10 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.