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 0.5% 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 (0.5% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Active Debt Collectors - Page 3

Sorted by most complaints

Diversified Adjustment Service, Inc.

D
181 total complaints → stable

Grant Mercantile Agency

D
181 total complaints ↓ falling

Debt Recovery Solutions, LLC

D
176 total complaints → stable

ORG GC GP Buyer, LLC

D
175 total complaints ↓ falling

Absolute Resolutions Corp.

C
174 total complaints ↑ rising

Bliksum, LLC

F
174 total complaints ↓ falling

Contract Callers Inc

D
168 total complaints ↑ rising

Patenaude & Felix A Professional Corporation

D
167 total complaints ↓ falling

Populus Financial Group, Inc. (F/K/A Ace Cash Express)

D
166 total complaints ↓ falling

Santander Consumer USA Holdings Inc.

D
165 total complaints ↓ falling

Real Time Group, Inc.

D
160 total complaints ↓ falling

Self Financial Inc.

F
158 total complaints ↑ rising

Expert Global Solutions, Inc.

D
157 total complaints ↓ falling

Exeter Finance, LLC.

D
157 total complaints ↑ rising

First National Collection Bureau, Inc.

D
157 total complaints ↓ falling

Midwest Recovery Systems

F
157 total complaints ↓ falling

Santander Holdings USA, Inc.

F
157 total complaints ↑ rising

Consumer Adjustment Company Incorporated

D
155 total complaints → stable

Central Portfolio Control Inc.

D
153 total complaints ↑ rising

The Bureaus, Inc.

D
153 total complaints → stable

Firstsource Business Process Services, LLC

D
148 total complaints → stable

Stellar Recovery, Inc.

D
148 total complaints ↓ falling

American Coradius International LLC

D
147 total complaints ↓ falling

Capital Accounts, LLC

F
147 total complaints ↓ falling

Allied Collection Services, Inc. (Nevada)

D
146 total complaints ↓ falling

Eastern Account Systems of Connecticut, Inc.

D
146 total complaints ↑ rising

Velocity Portfolio Group

D
146 total complaints → stable

Fresno Credit Bureau

C
145 total complaints ↓ falling

Nelnet, Inc.

D
145 total complaints ↑ rising

Select Portfolio Servicing, Inc.

F
144 total complaints ↓ falling

Enova International, Inc.

D
143 total complaints → stable

Phoenix Financial Services LLC

D
143 total complaints ↓ falling

Commonwealth Financial Systems, Inc.

F
142 total complaints ↓ falling

Franklin Collection Service, Inc.

D
142 total complaints ↓ falling

Winn LAW Group, APC

C
141 total complaints ↓ falling

Continental Credit Control

D
140 total complaints ↓ falling

D. Scott Carruthers

F
139 total complaints ↓ falling

ProCollect, Inc.

F
139 total complaints ↑ rising

Pinnacle Credit Services, LLC

D
136 total complaints ↓ falling

Upgrade, Inc.

F
133 total complaints ↑ rising

Acima Credit, LLC

C
130 total complaints ↑ rising

Hyundai Capital America

C
130 total complaints ↑ rising

R & B Corporation of Virginia

D
129 total complaints ↓ falling

Nelson and Kennard, LLP

D
127 total complaints → stable

Community Choice Financial, Inc.

D
125 total complaints ↓ falling

Kings Credit Services

C
125 total complaints ↓ falling

Trident Asset Management, L.L.C.

F
124 total complaints ↓ falling

Alorica Inc.

D
123 total complaints ↓ falling

Upstart Holdings, Inc.

F
123 total complaints ↑ rising

Continental Services Group, Inc. d/b/a ConServe

C
122 total complaints → stable

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.