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 0.1% 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 (0.1% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Active Debt Collectors - Page 7

Sorted by most complaints

Shepherd Outsourcing, LLC

F
48 total complaints ↑ rising

Alliant Capital Management LLC

D
47 total complaints → stable

Bounce AI, Inc.

F
47 total complaints ↑ rising

Rent Recovery Solutions

F
47 total complaints ↑ rising

RentDebt Automated Collections, LLC

D
47 total complaints ↑ rising

Account Control Technology, Inc.

C
46 total complaints ↓ falling

Golden 1 Credit Union, the

D
46 total complaints ↑ rising

Hillcrest Davidson & Associates

D
46 total complaints ↓ falling

Summit A*R, Inc.

D
46 total complaints ↑ rising

ULRS, Inc.

D
46 total complaints → stable

Collection Management Holdings, LLC

F
45 total complaints ↑ rising

Frontline Asset Strategies, LLC

D
45 total complaints ↓ falling

Goal Structured Solutions, LLC

F
45 total complaints ↑ rising

Prince Parker & Associates

D
45 total complaints → stable

Southwest Collection Services Inc.

D
45 total complaints ↓ falling

Lending Club Corp

D
44 total complaints ↓ falling

Sentry Credit, Inc.

D
44 total complaints ↓ falling

Bank of the West

C
43 total complaints ↓ falling

Clark County Collection Service

D
43 total complaints → stable

Opportunity Financial, LLC

C
43 total complaints ↑ rising

Paramount GR Holdings, LLC

F
43 total complaints ↑ rising

ResidentCollect, Inc.

F
43 total complaints → stable

Pentagon Federal Credit Union

D
42 total complaints ↑ rising

State Collection Service, Inc.

D
42 total complaints ↓ falling

Associated Credit Services, Inc.

D
41 total complaints → stable

California Accounts Service

C
41 total complaints ↓ falling

Duvera Billing Services, LLC

D
41 total complaints ↓ falling

First National Bank of Omaha

D
41 total complaints → stable

Harley Davidson Financial Services Inc

C
41 total complaints ↑ rising

JPL Recovery Solutions

F
41 total complaints ↓ falling

Legal Recovery Law Offices, Inc

F
41 total complaints ↓ falling

Modern Adjustment Bureau

D
40 total complaints ↑ rising

Strategic Alliances, Inc.

D
40 total complaints ↓ falling

Consumer Portfolio Services, Inc.

D
39 total complaints ↑ rising

FC HoldCo LLC

C
39 total complaints ↑ rising

Financial Asset Management Systems Inc

C
39 total complaints ↓ falling

Risecredit, LLC

D
39 total complaints ↓ falling

VW Credit

C
39 total complaints ↑ rising

Wilber and Associates, P.C.

D
39 total complaints → stable

ATG Credit, LLC

D
38 total complaints ↓ falling

BlueChip Financial

C
38 total complaints ↓ falling

Brown and Joseph, Ltd

F
38 total complaints ↓ falling

FEDChex Recovery, LLC

F
38 total complaints ↑ rising

Global Credit & Collection Corporation

D
38 total complaints ↓ falling

Global Lending Services LLC

C
38 total complaints ↑ rising

JMD,LLC

C
38 total complaints ↓ falling

LTD Financial Services, L.P.

D
38 total complaints ↓ falling

Receivables Management Partners, LLC

D
38 total complaints ↓ falling

Seattle Service Bureau, Inc

D
38 total complaints → stable

CIG Financial LLC

D
37 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.