State complaint profile

Debt collection complaints in Colorado

11,327 CFPB complaints filed against 1,057 debt collectors active in Colorado.

Complaints
11,327
Collectors
1,057
Top collector
Encore Capital Group Inc.

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Colorado at a glance

Colorado consumers have filed 11,327 CFPB debt-collection complaints against 1,057 collectors.

11,327
CFPB complaints filed
1,057
collectors active here
#1
most-complained: Encore Capital Group Inc.

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 Colorado

Colorado filings are dispersed: the top three collectors hold only 0.3% of 11,327 complaints.

Mid-volume states still host national debt buyers with rising recent filings. Read the concentration chart against the peer states before treating the #1 name as structural.

The collector with the most complaints from Colorado residents in this extract is Encore Capital Group Inc. (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

Monterey Financial Services LLC

D
12 total complaints ↑ rising

Santander Holdings USA, Inc.

F
12 total complaints ↑ rising

Security Credit Services, LLC

D
12 total complaints ↑ rising

TekCollect Inc.

D
12 total complaints ↑ rising

The Bureaus, Inc.

D
12 total complaints → stable

USCB, Inc.

D
12 total complaints ↓ falling

Valor Intelligent Processing, LLC

F
12 total complaints ↑ rising

Velocity Portfolio Group

D
12 total complaints → stable

Viking Client Services

C
12 total complaints → stable

Ability Recovery Services, LLC

D
11 total complaints ↑ rising

Ecmc Group, Inc.

D
11 total complaints ↓ falling

Fiserv Finxact Core

F
11 total complaints → stable

National Enterprise Systems, Inc.

D
11 total complaints ↓ falling

ONLINE Information Services, Inc.

D
11 total complaints ↑ rising

Ocwen Financial Corporation

D
11 total complaints ↓ falling

SIMM Associates, Inc.

D
11 total complaints → stable

Strategic Alliances, Inc.

D
11 total complaints ↓ falling

Truist Financial Corporation

F
11 total complaints ↑ rising

Vargo & Janson PC

A
11 total complaints ↓ falling

ATG Credit, LLC

D
10 total complaints ↓ falling

AmeriCollect

D
10 total complaints ↓ falling

Credit Systems International, Inc.

D
10 total complaints ↑ rising

Fenton & McGarvey Law Firm, P.S.C.

D
10 total complaints ↓ falling

First Credit Services Inc.

D
10 total complaints ↑ rising

Focus Holding Company

D
10 total complaints ↓ falling

Kenneth E. Davidson, Attorney

C
10 total complaints ↑ rising

Sterling Jewelers, Inc.

C
10 total complaints ↓ falling

Stein Law, P.C.

C
10 total complaints → stable

Zwicker & Associates

D
10 total complaints → stable

AMCOL Systems, Inc.

D
9 total complaints ↓ falling

Absolute Resolutions Corp.

C
9 total complaints ↑ rising

Army and Air Force Exchange Service

F
9 total complaints ↑ rising

Atlanticus Services Corporation

D
9 total complaints ↑ rising

Bounce AI, Inc.

F
9 total complaints ↑ rising

Cashcall, Inc.

D
9 total complaints ↓ falling

Check Into Cash Inc.

C
9 total complaints ↓ falling

Consumer Adjustment Company Incorporated

D
9 total complaints → stable

Credit Corp Solutions Inc.

D
9 total complaints ↑ rising

First Data Corporation

D
9 total complaints ↓ falling

Franklin Collection Service, Inc.

D
9 total complaints ↓ falling

Frontline Asset Strategies, LLC

D
9 total complaints ↓ falling

HCFS Healthcare Financial Services of TeamHealth

F
9 total complaints ↓ falling

Hovg, LLC

F
9 total complaints ↓ falling

InDebted Corporation

F
9 total complaints ↑ rising

MS Services LLC

D
9 total complaints ↓ falling

Midwest Recovery Systems

F
9 total complaints ↓ falling

NCC Business Services, Inc.

D
9 total complaints ↓ falling

Real Time Group, Inc.

D
9 total complaints ↓ falling

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

D
9 total complaints ↓ falling

SLM Corporation

C
9 total complaints → stable

If a collector is contacting you in Colorado

Start with the federal complaint record, then verify any state-law question with an official source.

  • Check the collector's national record and grade before you respond or pay. Browse rankings
  • Demand written debt validation within 30 days of first contact. Validation letter
  • Use the CFPB complaint process and check official Colorado resources for state-specific options. 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 Colorado

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 Colorado Resident

Three parallel channels apply in Colorado: the CFPB complaint form (powers this dataset), the Colorado attorney general's consumer protection division, and the state banking-and-finance regulator. Prefer the CFPB first for a public record and required company response within 15 days. Open the CFPB complaint form.