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 0.2% 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. (0.2% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Active Debt Collectors - Page 5

Sorted by most complaints

BCA Financial Services, Inc.

D
80 total complaints ↓ falling

CMRE Financial Services, Inc.

D
80 total complaints ↓ falling

Receivables Management Partners, LLC

D
79 total complaints ↓ falling

Sterling Jewelers, Inc.

C
79 total complaints ↓ falling

Toyota Motor Credit Corporation

D
79 total complaints ↑ rising

Capital Management Services, LP

D
78 total complaints ↓ falling

JH Portfolio Debt Equities, LLC

D
78 total complaints ↓ falling

ORG GC GP Buyer, LLC

D
75 total complaints ↓ falling

URS Holding, LLC

D
75 total complaints ↓ falling

Lloyd & McDaniel, PLC

D
74 total complaints ↑ rising

Mutual Management Services LLC

F
74 total complaints → stable

Optimum Outcomes, Inc.

F
74 total complaints ↓ falling

Regions Financial Corporation

D
74 total complaints ↑ rising

Rausch Sturm LLP

F
73 total complaints ↑ rising

American Credit Acceptance, LLC

D
72 total complaints ↑ rising

McCarthy, Burgess & Wolff, Inc.

D
71 total complaints ↓ falling

Crown Asset Management, LLC, Duluth, GA Branch

D
70 total complaints → stable

AES/Pheaa

D
67 total complaints ↓ falling

Shellpoint Partners, LLC

D
67 total complaints → stable

Credit Collections U.S.A., L.L.C.

F
66 total complaints → stable

Diverse Funding Associates LLC

D
66 total complaints ↑ rising

Northstar Location Services, LLC

D
66 total complaints ↓ falling

Oportun Financial Corporation

C
66 total complaints ↑ rising

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

D
66 total complaints ↓ falling

Asset Recovery Solutions, LLC

D
65 total complaints ↓ falling

MoneyLion Inc.

F
65 total complaints ↑ rising

Financial Business and Consumer Solutions.

D
64 total complaints ↓ falling

January Technologies, Inc

F
64 total complaints ↑ rising

Upstart Holdings, Inc.

F
64 total complaints ↑ rising

Southwest Recovery Services, Inc.

D
63 total complaints → stable

Army and Air Force Exchange Service

F
62 total complaints ↑ rising

Contract Callers Inc

D
62 total complaints ↑ rising

Mandarich Law Group, LLP

D
61 total complaints → stable

Oliphant United, Inc.

F
61 total complaints ↑ rising

Platinum Holdings Group, LLC

F
60 total complaints ↓ falling

Voss & Klein, LLC

D
60 total complaints → stable

Allied Collection Services, Inc. (Nevada)

D
59 total complaints ↓ falling

EdFinancial Services

C
58 total complaints ↑ rising

GLA Collection Company, Inc.

D
58 total complaints ↓ falling

Jon Barry and Associates, Inc.

C
58 total complaints ↓ falling

Populus Financial Group, Inc. (F/K/A Ace Cash Express)

D
58 total complaints ↓ falling

Prince Parker & Associates

D
58 total complaints → stable

Revco Management, LLC

F
58 total complaints ↑ rising

Financial Credit Service, Inc.

D
57 total complaints ↓ falling

FirstPoint Collection Resources

D
57 total complaints → stable

Jim Bottin Enterprises, Inc

D
57 total complaints → stable

Nationwide Capital Services, LLC

F
57 total complaints ↑ rising

Financial Recovery Services, Inc.

D
56 total complaints ↓ falling

Frost-Arnett Company

D
56 total complaints ↓ falling

Mr. Cooper Group Inc.

F
56 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.