State complaint profile
Debt collection complaints in Florida
124,524 CFPB complaints filed against 2,279 debt collectors active in Florida.
- Complaints
- 124,524
- Collectors
- 2,279
- Top collector
- Encore Capital Group Inc.
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
Florida at a glance
Florida consumers have filed 124,524 CFPB debt-collection complaints against 2,279 collectors.
- 124,524
- CFPB complaints filed
- 2,279
- 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 Florida
Florida sits near the top of the state complaint ladder at #2 of 56 by absolute CFPB filings (124,524 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 Florida residents in this extract is Encore Capital Group Inc. (14.4% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.
Most-complained-about collectors in Florida
By complaints filed from this state
- Encore Capital Group Inc.
Encore Capital Group Inc.
6,086 complaints
- Transunion Intermediate Holdings, Inc.
Transunion Intermediate Holdings, Inc.
5,963 complaints
- Equifax, Inc.
Equifax, Inc.
5,910 complaints
- Portfolio Recovery Associates, LLC
Portfolio Recovery Associates, LLC
5,770 complaints
- Resurgent Capital Services L.P.
Resurgent Capital Services L.P.
5,770 complaints
- Experian Information Solutions Inc.
Experian Information Solutions Inc.
5,567 complaints
- CL Holdings LLC
CL Holdings LLC
4,049 complaints
- CCS Financial Services, Inc.
CCS Financial Services, Inc.
3,093 complaints
What this shows These eight collectors draw the most complaints from Florida residents, usually national bureaus and large debt buyers operating in every state.
Where Florida's 124,524 complaints concentrate
Top-three collectors vs the rest of this state's filings
- Encore Capital Group I 6,086
Encore Capital Group Inc.
6,086 complaints
- Transunion Intermediat 5,963
Transunion Intermediate Holdings, Inc.
5,963 complaints
- Equifax, Inc. 5,910
Equifax, Inc.
5,910 complaints
- All other collectors
Remaining collectors in Florida
106,565 complaints
What this shows The top three names account for 14.4% of Florida filings in this extract, a state-specific concentration cut, not a national grade curve.
Active Debt Collectors
Sorted by most complaintsEncore Capital Group Inc.
DTransunion Intermediate Holdings, Inc.
DEquifax, Inc.
DPortfolio Recovery Associates, LLC
DResurgent Capital Services L.P.
DExperian Information Solutions Inc.
DCL Holdings LLC
CCCS Financial Services, Inc.
FI.C. System, Inc.
CNational Credit Systems,Inc.
DCapital ONE Financial Corporation
DKriya Capital, LLC
DTransworld Systems Inc
DCaine & Weiner Company, Inc.
DSynchrony Financial
DHCFS Healthcare Financial Services of TeamHealth
FCitibank, N.a.
DERC
DBread Financial Holdings, Inc.
CBank of America, National Association
DJpmorgan Chase & Co.
DHW Holding, Inc
DConvergent Resources, Inc.
DWells Fargo & Company
DCommonwealth Financial Systems, Inc.
FCapio Partners, LLC
CNCB Management Services Inc.
DSpring Oaks Capital, LLC
FRowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
FRadius Global Solutions LLC
DAmerican Express Company
DCavalry Investments, LLC
DSouthwest Credit Systems, L.P.
DProfessional Debt Mediation, Inc.
FFair Collections & Outsourcing, Inc.
DSunrise Credit Services, Inc
DDiscover Bank
DAfni Inc.
DT.S. Holdings
FFirst Federal Credit Control, Inc.
DAldous & Associates, PLLC
DNavy Federal Credit Union
DAbility Recovery Services, LLC
DW&A Intermediate Co., LLC
FAmsher Collection Services, Inc.
DDiversified Consultants, Inc.
DTrueAccord Corp.
DNRA Group, LLC
DAffirm Holdings, Inc
FSequium Asset Solutions, LLC
FIf a collector is contacting you in Florida
High-volume states still start with the federal record, then verify any state-law question with an official source.
- Start with the densest Florida 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 Florida 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 Florida
- Encore Capital Group Inc. Leads Florida complaint volume in this extract
- California complaint profile Nearest volume peer (112,020 complaints)
- Georgia complaint profile Nearest volume peer (85,576 complaints)
- States by complaint volume Florida sits in the dense end of the state ladder
- Debt validation letter High filing volume - written validation is the usual first step
- Compare collectors side-by-side Check response rates for the agencies contacting Florida residents
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 Florida Resident
Florida'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 Florida attorney general's consumer division and the state banking-and-finance regulator that may license collectors here. Open the CFPB complaint form.
| Publisher | PlainCollector |
| Sources | the CFPB Consumer Complaint Database |