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 7

Sorted by most complaints

Shepherd Outsourcing, LLC

F
44 total complaints ↑ rising

Broward Adjustment Services

C
43 total complaints ↓ falling

Second Round Limited Partnership, Austin, TX Branch

D
43 total complaints ↓ falling

Cascade Capital, LLC

D
42 total complaints → stable

Collection Bureau of America Ltd.

F
42 total complaints ↓ falling

Forest Recovery Services LLC

D
42 total complaints ↑ rising

Leafy Financial, LLC

F
42 total complaints ↑ rising

Medical Business Bureau

F
42 total complaints ↓ falling

Onemain Financial Holdings, LLC.

D
42 total complaints ↓ falling

Global Lending Services LLC

C
41 total complaints ↑ rising

Mercantile Adjustment Bureau, LLC

D
41 total complaints ↓ falling

MJ Altman Companies, Inc.

B
41 total complaints ↓ falling

Northland Group Inc

C
41 total complaints ↓ falling

Paramount GR Holdings, LLC

F
41 total complaints ↑ rising

SG and Associates

F
41 total complaints ↑ rising

Carter-Young, Inc.

F
40 total complaints → stable

Ceannate

C
40 total complaints ↓ falling

EGL US, LLC

F
40 total complaints ↑ rising

Fiserv Finxact Core

F
40 total complaints → stable

Ford Motor Credit Co.

D
40 total complaints → stable

Professional Finance Company, Inc.

D
40 total complaints ↓ falling

United PanAm Financial Corp.

C
40 total complaints ↑ rising

YSA ARM LLC DBA Oxygen XL

F
40 total complaints ↑ rising

Persolve, LLC - Legal - Series 2

F
39 total complaints ↓ falling

Specialized Loan Servicing Holdings LLC

D
39 total complaints ↓ falling

Weltman, Weinberg & Reis Co., L.P.A.

D
39 total complaints ↓ falling

Aqua Finance, Inc.

D
38 total complaints ↑ rising

Balanced Healthcare Receivables, LLC

D
38 total complaints → stable

Rozlin Financial Group, Inc.

C
38 total complaints ↑ rising

ATG Credit, LLC

D
37 total complaints ↓ falling

Advance America, Cash Advance Centers, Inc.

D
37 total complaints ↓ falling

American First Finance, Inc.

F
37 total complaints → stable

Credit Bureau Collection Services, Inc.

C
37 total complaints ↓ falling

Dyck-O'Neal, Inc.

D
37 total complaints ↓ falling

Merchants Adjustment Service, Inc.

D
37 total complaints → stable

ARS National Services, Inc.

C
36 total complaints ↓ falling

Hillcrest Davidson & Associates

D
36 total complaints ↓ falling

Lotane & Associates, P.A.

B
36 total complaints ↓ falling

Modlin Slinsky, P.A.

B
36 total complaints ↓ falling

Oliphant Financial, LLC

D
36 total complaints ↓ falling

Oliver Adjustment Co.

C
36 total complaints ↓ falling

Atlantic Recovery Solutions LLC

D
35 total complaints → stable

First Data Corporation

D
35 total complaints ↓ falling

Monarch Recovery Holdings, Inc.

D
35 total complaints → stable

Property Receivables, Corp

F
35 total complaints ↑ rising

RS Clark and Associates, Inc.

F
35 total complaints → stable

Suntrust Banks, Inc.

D
35 total complaints ↓ falling

Sunbit, Inc.

F
35 total complaints ↑ rising

ARC Management Group, LLC

D
34 total complaints ↓ falling

American Credit Bureau, Inc.

C
34 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.