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 0.3% 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 (0.3% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Active Debt Collectors - Page 4

Sorted by most complaints

McCarthy, Burgess & Wolff, Inc.

D
122 total complaints ↓ falling

Kikoff Inc.

F
119 total complaints ↑ rising

URS Holding, LLC

D
119 total complaints ↓ falling

Lien Enforcement Inc

D
118 total complaints → stable

Wakefield & Associates, Inc.

F
114 total complaints ↓ falling

Tenet Healthcare Corporation

D
113 total complaints ↓ falling

Unifin Inc.

D
112 total complaints ↑ rising

Possible Financial Inc

F
111 total complaints ↑ rising

Specialized Loan Servicing Holdings LLC

D
110 total complaints ↓ falling

Universal Recovery Corporation

F
110 total complaints ↓ falling

Ray Klein, Inc.

D
108 total complaints ↓ falling

The Moore Law Group

D
108 total complaints → stable

JH Portfolio Debt Equities, LLC

D
107 total complaints ↓ falling

Law Offices of Robert J. Colclough, III

F
107 total complaints ↓ falling

Synergetic Communication Inc

D
105 total complaints ↑ rising

Ditech Financial LLC

D
104 total complaints ↓ falling

NRA Group, LLC

D
104 total complaints ↑ rising

CCF Intermediate Holdings LLC

F
102 total complaints ↑ rising

Williams & Fudge, Inc

D
101 total complaints → stable

FirstPoint Collection Resources

D
100 total complaints → stable

Nationstar Mortgage LLC

D
99 total complaints ↓ falling

Patient Accounting Service Center

D
99 total complaints → stable

United Collection Bureau, Inc.

D
98 total complaints → stable

A.R.M. Solutions, Inc.

C
97 total complaints ↓ falling

CLGF Holdco 1, LLC

F
97 total complaints ↑ rising

Linebarger Goggan Blair & Sampson LLP

D
96 total complaints ↓ falling

Suttell, Hammer & White, P.S

D
96 total complaints → stable

United Services Automobile Association

D
96 total complaints → stable

Bridgecrest Acceptance Corporation

D
95 total complaints ↑ rising

General Motors Financial Company, Inc.

D
95 total complaints ↑ rising

Advance America, Cash Advance Centers, Inc.

D
94 total complaints ↓ falling

Ecmc Group, Inc.

D
94 total complaints ↓ falling

Gurstel Law Firm, P.C.

D
94 total complaints → stable

Mercedes Benz Financial Services

D
93 total complaints ↑ rising

Ability Recovery Services, LLC

D
92 total complaints ↑ rising

States Recovery Systems, Inc.

D
89 total complaints → stable

The Receivable Management Services LLC

D
89 total complaints ↑ rising

Capital Management Services, LP

D
87 total complaints ↓ falling

Colony Brands, Inc.

F
87 total complaints → stable

AES/Pheaa

D
85 total complaints ↓ falling

Hovg, LLC

F
85 total complaints ↓ falling

Nissan Motor Acceptance Company LLC

C
85 total complaints → stable

FINEX Group LLC

F
84 total complaints ↓ falling

Penn Credit Corporation

D
84 total complaints ↓ falling

Truist Financial Corporation

F
84 total complaints ↑ rising

American Capital Enterprises, Inc.

C
83 total complaints ↓ falling

Financial Credit Service, Inc.

D
83 total complaints ↓ falling

TekCollect Inc.

D
83 total complaints ↑ rising

The Outsource Group, Inc

F
83 total complaints ↓ falling

Army and Air Force Exchange Service

F
82 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.