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 23

Sorted by most complaints

Kilowatt Financial, LLC, a Spruce Finance Company

F
4 total complaints ↓ falling

KLS Financial Services, Inc

F
4 total complaints → stable

Kirkland Asset Management LLC

D
4 total complaints ↓ falling

Kross, Lieberman & Stone, Inc.

F
4 total complaints ↓ falling

Law Offices of Timothy M. Sullivan

D
4 total complaints ↑ rising

Lentegrity Management, LLC

C
4 total complaints ↑ rising

Liberty Holdings, LLC

F
4 total complaints ↓ falling

Lionstone Holdings Group

F
4 total complaints ↓ falling

Loantopia

C
4 total complaints ↓ falling

Los Angeles Collection Service, Inc.

B
4 total complaints ↓ falling

M.A.R.S., Inc.

D
4 total complaints → stable

Midcountry Financial Corp

C
4 total complaints ↓ falling

Midfirst Bank

B
4 total complaints → stable

Meridian ARG Inc.

F
4 total complaints ↓ falling

MicroBilt / PRBC (formerly CL Verify)

C
4 total complaints ↑ rising

Mid-South Adjustment Co., Inc.

F
4 total complaints ↑ rising

Midway Resolution Services LLC

F
4 total complaints ↓ falling

Miller Davis & Peoples

C
4 total complaints ↓ falling

Model Finance Company

F
4 total complaints ↑ rising

National Debt Relief LLC

F
4 total complaints ↑ rising

National Default Servicing Corporation

B
4 total complaints ↓ falling

Nationwide Intermediary Services llc

C
4 total complaints ↓ falling

North American Collectors, Inc.

C
4 total complaints ↓ falling

Northern Alliance Management, LLC

F
4 total complaints ↓ falling

P&L Acquisitions LLC

D
4 total complaints ↓ falling

PCR Group

F
4 total complaints → stable

Perdue Brandon Fielder Collins & Mott LLP

F
4 total complaints → stable

Pendleton Capital Management

F
4 total complaints ↓ falling

Post Lake Lending Inc.

C
4 total complaints ↑ rising

Praxis Financial Solutions, Incorporated

C
4 total complaints ↓ falling

Prober & Raphael, A Law Corporation

B
4 total complaints → stable

Professional Medical Management, Inc.

F
4 total complaints ↓ falling

Professional Placement Services, LLC

C
4 total complaints ↓ falling

QC Holdings Inc

C
4 total complaints → stable

QuickClick Loans of Illinois, LLC

D
4 total complaints ↓ falling

Red Target LLC

D
4 total complaints → stable

RevMD Partners, LLC.

C
4 total complaints ↓ falling

Robinson & Associates

D
4 total complaints ↓ falling

Rocky Mountain Capital Management

F
4 total complaints ↓ falling

Rubin & Yates, LLC

F
4 total complaints ↓ falling

Searay Portfolio Management

C
4 total complaints ↓ falling

Simon's Agency, Inc.

F
4 total complaints ↓ falling

Skopos Financial, LLC

B
4 total complaints ↑ rising

Snap Recovery, Inc.

D
4 total complaints ↑ rising

Southwest Law Offices PC

B
4 total complaints → stable

Sparrow Financial, Inc.

D
4 total complaints ↑ rising

Starmark Financial LLC

F
4 total complaints ↑ rising

Stevens Business Service, Inc.

C
4 total complaints ↓ falling

Sunnova Energy Corporation

F
4 total complaints → stable

The Schreiber Law Firm, PLLC

F
4 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.