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 29

Sorted by most complaints

Carter Business Service, Inc.

B
2 total complaints → stable

Cascade CISS Holdings, LLC

D
2 total complaints ↑ rising

Cascade Collections, Inc.

F
2 total complaints ↓ falling

Cass & Associates

C
2 total complaints ↓ falling

Central Collection Corporation

F
2 total complaints ↑ rising

Check Fraud Services

D
2 total complaints ↓ falling

Clarity Services

A
2 total complaints ↓ falling

Clasp Group, Inc.

B
2 total complaints ↑ rising

Coast to Coast Commercial Collection

D
2 total complaints ↑ rising

Collaborative Resolution Group

F
2 total complaints ↓ falling

Collection Attorneys USA LLC

D
2 total complaints ↑ rising

Collection Services, Inc.

C
2 total complaints ↓ falling

College Ave Student Loan Servicing, LLC

C
2 total complaints → stable

Consumer Collection Management. Inc

F
2 total complaints → stable

Credit Associates, Inc. (MO)

C
2 total complaints ↓ falling

Credit Bureau of the South, Inc.

B
2 total complaints → stable

Credit Center, LLC

C
2 total complaints → stable

Credit Control Company, Inc.

C
2 total complaints ↓ falling

Credit Service International Corp

C
2 total complaints ↑ rising

Credit Shop, Incorporated

C
2 total complaints ↓ falling

CreditNinja Lending, LLC

D
2 total complaints ↑ rising

Creditors Adjustment Bureau, Inc.

A
2 total complaints ↑ rising

Creditors' Protection Service, Inc.

B
2 total complaints ↓ falling

Cross America Financial LLC

C
2 total complaints ↑ rising

DRIVEiT Holdings, Inc.

B
2 total complaints ↓ falling

DSR Holdings Group, LLC

F
2 total complaints → stable

De Lage Landen Finance, LLC

C
2 total complaints → stable

Deca Financial Services LLC (Closed)

C
2 total complaints ↓ falling

Denali Capital Holdings, LLC

D
2 total complaints ↑ rising

Diversified Recovery Services Inc.

F
2 total complaints ↓ falling

Empire Mediation Services LLC

F
2 total complaints ↓ falling

Ernst, Artmann and Associates, Inc.

C
2 total complaints ↓ falling

Eisenburg,Whitman and Associates

F
2 total complaints ↓ falling

Elevate Recoveries, LLC

F
2 total complaints ↓ falling

Elmview Management Services

F
2 total complaints ↓ falling

Emerald AR Systems, LLC

C
2 total complaints ↓ falling

Emergent Business Group, Inc.

D
2 total complaints ↓ falling

Essential Retrieval Group

F
2 total complaints ↓ falling

Evergreen Acquistions, LLC

D
2 total complaints ↓ falling

Firstbank Puerto Rico

C
2 total complaints ↓ falling

Fein, Such, Kahn & Shepard, P.C.

D
2 total complaints ↓ falling

Fidelity Properties Inc.

D
2 total complaints → stable

Filaport Acquisitions

C
2 total complaints ↓ falling

FinCo Services Inc DBA Current

D
2 total complaints ↑ rising

Financial Freedom Group, LLC

C
2 total complaints ↑ rising

Financial Management Solutions, LLC

D
2 total complaints ↓ falling

First Direct Mediation

D
2 total complaints ↓ falling

Flagstar Bank, National Association

B
2 total complaints ↓ falling

Focused Recovery Solutions, Inc.

D
2 total complaints ↓ falling

Freede Solutions Inc.

B
2 total complaints ↑ rising

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.