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 6

Sorted by most complaints

Account Management Services, Inc.

D
60 total complaints ↓ falling

Armcon Corp

C
60 total complaints ↓ falling

January Technologies, Inc

F
60 total complaints ↑ rising

Maximus Federal Services, Inc.

F
59 total complaints ↑ rising

TSC Accounts Receivable Solutions

F
59 total complaints ↓ falling

American Honda Finance Corp

D
58 total complaints → stable

Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch

D
58 total complaints ↓ falling

Jim Bottin Enterprises, Inc

D
57 total complaints → stable

Lockhart, Morris & Montgomery Inc.

D
57 total complaints ↑ rising

SIMM Associates, Inc.

D
57 total complaints → stable

Zions Debt Holdings

F
57 total complaints ↑ rising

American Credit Acceptance, LLC

D
56 total complaints ↑ rising

Coast Professional, Inc.

D
56 total complaints ↓ falling

Law Office of Michael J. Scott, PC

D
56 total complaints → stable

Reliant Capital Solutions, LLC

D
56 total complaints ↑ rising

Sterling Jewelers, Inc.

C
56 total complaints ↓ falling

Klarna AB

F
55 total complaints ↑ rising

MoneyLion Inc.

F
55 total complaints ↑ rising

Northland Group Inc

C
55 total complaints ↓ falling

Performant Financial Corporation

D
55 total complaints ↓ falling

Stanislaus Credit Control Service, Inc.

C
55 total complaints ↓ falling

Synovus Bank

C
55 total complaints ↓ falling

The Law Offices of Kenosian & Miele, LLP

F
55 total complaints → stable

Citizens Financial Group, Inc.

C
54 total complaints → stable

CarMax, Inc.

C
54 total complaints ↑ rising

Monarch Recovery Holdings, Inc.

D
54 total complaints → stable

Property Receivables, Corp

F
54 total complaints ↑ rising

Veros Credit, LLC

C
54 total complaints ↑ rising

Law Office of Harris & Zide

D
53 total complaints ↓ falling

Capio Partners, LLC

C
52 total complaints → stable

Crown Asset Management, LLC, Duluth, GA Branch

D
52 total complaints → stable

Check Into Cash Inc.

C
51 total complaints ↓ falling

Coast to Coast Financial Solutions, Inc.

F
51 total complaints ↓ falling

LJ Ross Associates

D
51 total complaints ↑ rising

Pacific Retrieval LLC

D
51 total complaints ↑ rising

Quality Loan Service Corporation

D
51 total complaints ↓ falling

Solar Mosaic LLC

F
51 total complaints ↑ rising

Arcadia Holdings, LLC

F
50 total complaints ↓ falling

Diverse Funding Associates LLC

D
50 total complaints ↑ rising

Fidelity National Information Services, Inc. (FNIS)

D
50 total complaints ↓ falling

National Business Factors

C
50 total complaints ↓ falling

Onemain Financial Holdings, LLC.

D
50 total complaints ↓ falling

Asset Recovery Solutions, LLC

D
49 total complaints ↓ falling

Diaz & Associates, Inc.

C
49 total complaints ↓ falling

Direct Recovery Services, LLC

F
49 total complaints ↓ falling

McNeil & Meyers Asset Management Group, LLC

D
49 total complaints ↑ rising

PNC Bank N.A.

D
49 total complaints → stable

Atlantic Recovery Solutions LLC

D
48 total complaints → stable

EdFinancial Services

C
48 total complaints ↑ rising

Nelson Cruz & Associates LLC

F
48 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.