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 0.3% 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. (0.3% 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

Wakefield & Associates, Inc.

F
123 total complaints ↓ falling

Possible Financial Inc

F
122 total complaints ↑ rising

U.s. Bancorp

D
122 total complaints ↓ falling

Franklin Collection Service, Inc.

D
121 total complaints ↓ falling

Zions Debt Holdings

F
120 total complaints ↑ rising

Preferred Collection and Management, Inc.

D
117 total complaints ↓ falling

Vystar Credit Union

D
114 total complaints ↑ rising

Acima Credit, LLC

C
113 total complaints ↑ rising

Upgrade, Inc.

F
113 total complaints ↑ rising

Zwicker & Associates

D
113 total complaints → stable

Select Portfolio Servicing, Inc.

F
111 total complaints ↓ falling

Capital Accounts, LLC

F
110 total complaints ↓ falling

Continental Finance Company, LLC

C
110 total complaints ↑ rising

World Omni Financial Corp.

C
110 total complaints ↑ rising

Hyundai Capital America

C
108 total complaints ↑ rising

Stellar Recovery, Inc.

D
108 total complaints ↓ falling

Alliance One, Inc.

D
106 total complaints ↓ falling

Opportunity Financial, LLC

C
106 total complaints ↑ rising

Professional Adjustment Corp. of S.W. FL., Inc.

D
106 total complaints ↓ falling

Collection Bureau of Fort Walton Beach, Inc

D
104 total complaints ↓ falling

First National Collection Bureau, Inc.

D
104 total complaints ↓ falling

Williams & Fudge, Inc

D
102 total complaints → stable

Pinnacle Credit Services, LLC

D
101 total complaints ↓ falling

Summit A*R, Inc.

D
100 total complaints ↑ rising

BTH Management

D
98 total complaints ↑ rising

Hayt Hayt & Landau, P.L. (FL)

F
98 total complaints ↓ falling

Atlanticus Services Corporation

D
97 total complaints ↑ rising

Linebarger Goggan Blair & Sampson LLP

D
97 total complaints ↓ falling

North American Credit Services

D
97 total complaints ↓ falling

PNC Bank N.A.

D
97 total complaints → stable

Ditech Financial LLC

D
96 total complaints ↓ falling

Colony Brands, Inc.

F
94 total complaints → stable

ResidentCollect, Inc.

F
93 total complaints → stable

Cedars Business Services, LLC

D
92 total complaints ↑ rising

RAS LaVrar, LLC

F
92 total complaints ↓ falling

Elevate Recoveries, LLC

F
91 total complaints ↓ falling

Steel River Systems, LLC

D
89 total complaints ↑ rising

Fifth Third Financial Corporation

D
88 total complaints → stable

Client Services, Inc.

D
87 total complaints → stable

Hovg, LLC

F
87 total complaints ↓ falling

Unifin Inc.

D
87 total complaints ↑ rising

Harvard Collections, LLC

D
86 total complaints ↓ falling

Mariner Finance, LLC

D
86 total complaints ↑ rising

Nationwide Recovery Systems, Ltd

D
86 total complaints ↓ falling

Receivable Management Group, Inc. (GA)

C
86 total complaints ↓ falling

Optio Solutions, LLC

D
85 total complaints ↑ rising

Williams, Rush & Associates, LLC

F
85 total complaints ↑ rising

Synovus Bank

C
84 total complaints ↓ falling

American Coradius International LLC

D
83 total complaints ↓ falling

National Enterprise Systems, Inc.

D
83 total complaints ↓ falling

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.