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 filings are dispersed: the top three collectors hold only 0.5% of 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. (0.5% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Active Debt Collectors - Page 3

Sorted by most complaints

LJ Ross Associates

D
199 total complaints ↑ rising

Diversified Adjustment Service, Inc.

D
197 total complaints → stable

Advanced Collection Bureau, Inc.

D
196 total complaints ↓ falling

MRS BPO, LLC

D
196 total complaints → stable

Palm Beach Credit Adjustors, Inc

F
195 total complaints ↓ falling

Receivables Performance Management, LLC

D
195 total complaints ↓ falling

The Bureaus, Inc.

D
194 total complaints → stable

OneMain Finance Corporation

F
192 total complaints ↑ rising

Aargon Agency, Inc.

F
190 total complaints → stable

Waypoint Resource Group, LLC

F
190 total complaints ↑ rising

Capstone Credit & Collection, LLC.

C
187 total complaints → stable

HSBC North America Holdings Inc.

D
186 total complaints ↓ falling

Monterey Financial Services LLC

D
185 total complaints ↑ rising

United Collection Bureau, Inc.

D
183 total complaints → stable

Avante

D
181 total complaints ↓ falling

United Services Automobile Association

D
180 total complaints → stable

Consumer Adjustment Company Incorporated

D
178 total complaints → stable

The Receivable Management Services LLC

D
178 total complaints ↑ rising

Servicer under contract with Federal Student Aid

F
177 total complaints ↑ rising

Rent Recovery Solutions

F
176 total complaints ↑ rising

Halsted Financial Services, LLC.

D
174 total complaints ↑ rising

Alchro Inc.

F
172 total complaints → stable

Midwest Recovery Systems

F
168 total complaints ↓ falling

Professional Recovery Management

F
168 total complaints ↑ rising

NCC Business Services, Inc.

D
167 total complaints ↓ falling

Firstsource Business Process Services, LLC

D
166 total complaints → stable

Exeter Finance, LLC.

D
161 total complaints ↑ rising

Medical Data Systems, Inc.

D
158 total complaints ↓ falling

Nelnet, Inc.

D
158 total complaints ↑ rising

Expert Global Solutions, Inc.

D
155 total complaints ↓ falling

EOS Holdings, Inc.

D
149 total complaints ↓ falling

Helvey & Associates, Inc., Warsaw, IN Branch

D
147 total complaints → stable

Iqor US Inc

D
146 total complaints ↓ falling

Asset Management Outsourcing, Inc.

D
144 total complaints ↓ falling

Enova International, Inc.

D
142 total complaints → stable

M. G. Credit, Inc.

D
139 total complaints ↑ rising

Credit Acceptance Corporation

D
138 total complaints ↑ rising

Gold KEY Credit, Inc.

D
138 total complaints ↓ falling

Paypal Holdings, Inc

D
138 total complaints ↓ falling

Bounce AI, Inc.

F
136 total complaints ↑ rising

Pollack & Rosen, P.A.

D
136 total complaints → stable

Ocwen Financial Corporation

D
134 total complaints ↓ falling

I.q. Data International, Inc.

D
132 total complaints ↓ falling

Andreu, Palma & Andreu, PL

D
129 total complaints → stable

Bridgecrest Acceptance Corporation

D
129 total complaints ↑ rising

General Motors Financial Company, Inc.

D
128 total complaints ↑ rising

Trident Asset Management, L.L.C.

F
128 total complaints ↓ falling

Suncoast Credit Union

D
126 total complaints ↑ rising

Alorica Inc.

D
124 total complaints ↓ falling

CLGF Holdco 1, LLC

F
124 total complaints ↑ rising

If 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

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 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.