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 0.2% 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 (0.2% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Active Debt Collectors - Page 5

Sorted by most complaints

ONLINE Information Services, Inc.

D
81 total complaints ↑ rising

Sentry Recovery and Collections, Inc.

D
81 total complaints ↑ rising

Shellpoint Partners, LLC

D
81 total complaints → stable

ARS National Services, Inc.

C
80 total complaints ↓ falling

First Data Corporation

D
80 total complaints ↓ falling

Focus Holding Company

D
79 total complaints ↓ falling

Persolve, LLC - Legal - Series 2

F
79 total complaints ↓ falling

Adir International LLC

C
78 total complaints ↑ rising

Revco Management, LLC

F
78 total complaints ↑ rising

W&A Intermediate Co., LLC

F
78 total complaints ↑ rising

BTH Management

D
77 total complaints ↑ rising

Ford Motor Credit Co.

D
77 total complaints → stable

North Shore Agency, LLC

C
77 total complaints ↓ falling

Credit Protection Association, L.P.

D
75 total complaints ↓ falling

First Credit Services Inc.

D
75 total complaints ↑ rising

Zwicker & Associates

D
75 total complaints → stable

Platinum Holdings Group, LLC

F
74 total complaints ↓ falling

Schoolsfirst Federal Credit Union

B
74 total complaints ↑ rising

Credit Card Receivables Fund Incorporated

D
73 total complaints ↓ falling

HCFS Healthcare Financial Services of TeamHealth

F
72 total complaints ↓ falling

Mr. Cooper Group Inc.

F
72 total complaints ↓ falling

National Enterprise Systems, Inc.

D
72 total complaints ↓ falling

Continental Finance Company, LLC

C
71 total complaints ↑ rising

Diversified Acceptance Corporation

F
71 total complaints ↓ falling

Mohela

F
71 total complaints ↑ rising

Northstar Location Services, LLC

D
71 total complaints ↓ falling

Pacific Credit Exchange Corporation

B
71 total complaints → stable

Investment Retrievers, Inc.

D
70 total complaints → stable

Optio Solutions, LLC

D
70 total complaints ↑ rising

AmerAssist A/R Solutions, Inc.

F
69 total complaints ↓ falling

Client Services, Inc.

D
69 total complaints → stable

BMW Financial Services NA, LLC

D
68 total complaints ↑ rising

Credit Acceptance Corporation

D
68 total complaints ↑ rising

Duncan Solutions, lnc.

D
68 total complaints ↓ falling

Lendmark Financial Services

D
68 total complaints ↑ rising

Credit Consulting Services, Inc.

D
67 total complaints ↓ falling

NCC Business Services, Inc.

D
67 total complaints ↓ falling

Mobiloans, LLC

F
66 total complaints ↑ rising

Fiserv Finxact Core

F
65 total complaints → stable

Lobel Financial Corporation

C
65 total complaints ↑ rising

Meridian Financial Services, Inc.

D
65 total complaints ↑ rising

Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch

D
65 total complaints ↓ falling

Torres Credit Services, Inc.

C
65 total complaints → stable

Wheels Financial Group, LLC.

C
65 total complaints → stable

Atlanticus Services Corporation

D
64 total complaints ↑ rising

Commercial Trade, Inc.

C
64 total complaints ↓ falling

Squaretwo Financial Corporation

D
63 total complaints ↓ falling

Viking Client Services

C
63 total complaints → stable

Concord Servicing Corporation

C
62 total complaints ↑ rising

Financial Business and Consumer Solutions.

D
61 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.