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 8

Sorted by most complaints

Direct Recovery Services, LLC

F
34 total complaints ↓ falling

F.H. Cann & Associates, Inc.

D
34 total complaints ↑ rising

Focus Holding Company

D
34 total complaints ↓ falling

Solar Mosaic LLC

F
34 total complaints ↑ rising

State Collection Service, Inc.

D
34 total complaints ↓ falling

VW Credit

C
34 total complaints ↑ rising

Account Control Technology, Inc.

C
33 total complaints ↓ falling

Associated Credit Services, Inc.

D
33 total complaints → stable

Avant Holding Company, Inc.

F
33 total complaints ↑ rising

Finance System of Richmond, Inc.

C
33 total complaints ↑ rising

Lending Club Corp

D
33 total complaints ↓ falling

Riverwalk Financial Corporation

F
33 total complaints ↓ falling

Rubin & Debski, P.A.

F
33 total complaints ↓ falling

Southern Auto Finance Co

C
33 total complaints → stable

Collection Bureau of the Hudson Valley, Inc.

D
32 total complaints ↓ falling

Delbert Services

D
32 total complaints ↓ falling

Klarna AB

F
32 total complaints ↑ rising

Maury Cobb, Attorney at Law, LLC

C
32 total complaints ↓ falling

Performant Financial Corporation

D
32 total complaints ↓ falling

Tate and Kirlin Assoc

D
32 total complaints ↓ falling

BB&T Corporation

D
31 total complaints ↓ falling

Collins Asset Group, LLC

F
31 total complaints ↓ falling

First Advantage LNS Inc.

F
31 total complaints ↓ falling

Webcollex, LLC

D
31 total complaints ↓ falling

Fidelity Capital Holdings, Inc

F
30 total complaints ↓ falling

Healthcare Finance Direct LLC.

F
30 total complaints ↑ rising

Servatus Corporation

D
30 total complaints ↓ falling

Amscot Corporation

B
29 total complaints ↓ falling

CNG Holdings Inc

C
29 total complaints ↓ falling

Phillips & Cohen Associates, Ltd.

D
29 total complaints → stable

Rushmore Loan Management Services LLC

D
29 total complaints ↓ falling

Receivable Recovery Services, LLC

D
29 total complaints ↓ falling

Sprechman & Associates, P.A.

D
29 total complaints ↓ falling

Cooling & Winter LLC

C
28 total complaints ↓ falling

Credit Service International Corp

C
28 total complaints ↑ rising

D&A Services, LLC

D
28 total complaints ↓ falling

Herbert P. Sears Co., Inc.

C
28 total complaints → stable

Perfection Collection

D
28 total complaints ↓ falling

Coast Professional, Inc.

D
27 total complaints ↓ falling

Deinde Online Services, LLC

F
27 total complaints ↑ rising

Global Credit & Collection Corporation

D
27 total complaints ↓ falling

MFP, inc.

F
27 total complaints ↓ falling

2288984 Ontario Inc.

C
26 total complaints ↑ rising

LoanCare, LLC

C
26 total complaints ↑ rising

Mountain Run Solutions, LLC

F
26 total complaints ↓ falling

Viking Client Services

C
26 total complaints → stable

Zakheim Law Group, P.A.

D
26 total complaints ↓ falling

Cherry Technologies Inc.

F
25 total complaints ↑ rising

Community Health Investment Company, LLC.

D
25 total complaints ↓ falling

First National Bank of Omaha

D
25 total complaints → stable

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.