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 0.1% 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. (0.1% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Active Debt Collectors - Page 6

Sorted by most complaints

Sherloq Group, Inc

C
56 total complaints ↓ falling

SinglePoint GI

F
56 total complaints ↑ rising

Credit Counsel, Inc.

C
55 total complaints → stable

FC HoldCo LLC

C
55 total complaints ↑ rising

P&B Capital Group, LLC

F
55 total complaints → stable

Sentry Credit, Inc.

D
55 total complaints ↓ falling

Credit Systems International, Inc.

D
54 total complaints ↑ rising

Credit Card Receivables Fund Incorporated

D
53 total complaints ↓ falling

Mohela

F
53 total complaints ↑ rising

Mobiloans, LLC

F
53 total complaints ↑ rising

Reliant Capital Solutions, LLC

D
53 total complaints ↑ rising

SIMM Associates, Inc.

D
53 total complaints → stable

Westcreek Financial

F
53 total complaints ↑ rising

American Honda Finance Corp

D
52 total complaints → stable

Fidelity National Information Services, Inc. (FNIS)

D
52 total complaints ↓ falling

Pendrick Capital Partners Holding, LLC

C
52 total complaints ↓ falling

A.R.M. Solutions, Inc.

C
51 total complaints ↓ falling

Meridian Financial Services, Inc.

D
51 total complaints ↑ rising

Nissan Motor Acceptance Company LLC

C
51 total complaints → stable

Credit Fresh Holdings Inc

F
50 total complaints ↑ rising

Hiday & Ricke, P.A.

D
50 total complaints ↓ falling

R & B Corporation of Virginia

D
50 total complaints ↓ falling

USCB Corporation

D
50 total complaints ↑ rising

CarMax, Inc.

C
49 total complaints ↑ rising

Frontline Asset Strategies, LLC

D
49 total complaints ↓ falling

Omega RMS, LLC

D
49 total complaints ↑ rising

Valor Intelligent Processing, LLC

F
49 total complaints ↑ rising

AR Resources, Inc. (FL)

C
48 total complaints ↓ falling

AmerAssist A/R Solutions, Inc.

F
48 total complaints ↓ falling

Pentagon Federal Credit Union

D
48 total complaints ↑ rising

Real Time Group, Inc.

D
48 total complaints ↓ falling

Torriere Holdings INC

C
48 total complaints ↑ rising

Adler Wallach & Associates, Inc.

D
47 total complaints ↓ falling

Citizens Financial Group, Inc.

C
47 total complaints → stable

CNG Financial Corporation

D
47 total complaints → stable

Ecmc Group, Inc.

D
47 total complaints ↓ falling

Marcadis Singer PA

D
47 total complaints ↑ rising

Maximus Federal Services, Inc.

F
47 total complaints ↑ rising

SLM Corporation

C
47 total complaints → stable

Synergetic Communication Inc

D
47 total complaints ↑ rising

BMW Financial Services NA, LLC

D
46 total complaints ↑ rising

InDebted Corporation

F
46 total complaints ↑ rising

Mercedes Benz Financial Services

D
46 total complaints ↑ rising

O&L LAW Group, P.L.

C
46 total complaints ↓ falling

Strategic Alliances, Inc.

D
46 total complaints ↓ falling

United Collection Service, Inc (FL)

D
46 total complaints ↓ falling

Consumer Portfolio Services, Inc.

D
45 total complaints ↑ rising

LTD Financial Services, L.P.

D
45 total complaints ↓ falling

Nationstar Mortgage LLC

D
44 total complaints ↓ falling

Squaretwo Financial Corporation

D
44 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.