State complaint profile

Debt collection complaints in Georgia

78,380 CFPB complaints filed against 1,861 debt collectors active in Georgia.

Complaints
78,380
Collectors
1,861
Per 100k
711

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Georgia Debt Collection Laws

Federal FDCPA protections apply. Some states have additional laws — contact the Georgia Attorney General for state-specific information.

Insights: Debt Collection in Georgia

Consumers in Georgia have filed 78,380 CFPB debt collection complaints against 1,861 different collectors — a rate of 710.7 complaints per 100,000 residents. Complaint volume reflects both the size of the collection industry operating in Georgia and the willingness of residents to escalate disputes through the federal regulatory process rather than handle them privately with the collector.

Higher per-capita complaint counts in some states correlate with a combination of stronger state-level consumer-protection statutes (which often add private rights of action on top of the federal FDCPA), more active state attorneys general, and more public outreach from the CFPB itself — not necessarily worse collector behavior. The pattern can also reflect debt-buyer concentration: states where large secondary-market buyers route accounts tend to generate elevated complaint flow regardless of the underlying account's origin.

The most-complained-about collector active in Georgia is EQUIFAX, INC., but national-scale buyers and servicers typically dominate complaint volume in every state. For the practical Georgia-specific protections that go beyond the federal FDCPA — licensing requirements, statute-of-limitations rules, and exempt-property thresholds — see the state rights note above and our FDCPA rights guide.

Active Debt Collectors — Page 38

Sorted by most complaints

Torin D. Togut

A
1 total complaints 0 last 12mo → stable

Stearns Ventures, LLC

A
1 total complaints 0 last 12mo → stable

Glick Management, LLC

F
1 total complaints 1 last 12mo ↑ rising

Jones & Walden, LLC

A
1 total complaints 0 last 12mo → stable

MBA Mortgage Services Inc.

F
1 total complaints 0 last 12mo ↓ falling

HOMESTAR FINANCIAL CORPORATION

A
1 total complaints 0 last 12mo → stable

LeasePoint Funding Group, LLC

F
1 total complaints 1 last 12mo ↑ rising

Gergory, Doyle, Calhoun & Rogers, LLC

A
1 total complaints 0 last 12mo → stable

Empire Acceptance Company, Inc.

A
1 total complaints 0 last 12mo → stable

NCR Financial Services Inc

A
1 total complaints 1 last 12mo ↑ rising

Long & Foster Financial Services, Inc.

A
1 total complaints 0 last 12mo → stable

Read our methodology — how this data is sourced, computed, and verified.

Related

Browse all → | Rankings →
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

About These Collectors

Every collector listed for Georgia appears here because at least one consumer from this state filed a complaint with the federal Consumer Financial Protection Bureau (CFPB) naming that company. The page is a per-state slice of the federal Consumer Complaint Database. Most entries are credit-reporting agencies (Equifax, TransUnion, Experian) and large national debt-buyers (Encore Capital, Portfolio Recovery, Resurgent Capital). Smaller regional collectors appear only when complaint volume from Georgia residents passes the dataset's inclusion threshold.

What the Grade Means

Each company's letter grade combines four signals: total CFPB complaint volume normalized against fleet medians (size-adjusted), timely-response rate (the share of complaints answered within the federal 15-day window), monetary-or-non-monetary relief rate (the share of complaints resolved with corrective action versus closed with explanation only), and consumer-narrative tone (a sentiment signal extracted from the redacted public complaint text). The composite is bucketed A through F; the lowest 10% of scores fleet-wide land in F. Click any company to see the breakdown.

Filing a Complaint as a Georgia Resident

If you believe a collector named on this page has violated the Fair Debt Collection Practices Act (FDCPA) or otherwise mishandled your account, you have three parallel channels. First, the CFPB at consumerfinance.gov/complaint — the federal channel that powers this dataset. Second, the Georgia attorney general's consumer protection division, which enforces state-level debt-collection statutes. Third, the state banking-and-finance regulator (which may license debt collectors operating in Georgia). The three channels serve different purposes and can be pursued in parallel; we recommend the CFPB first because it produces a public record and a required company response within 15 days.

Methodology Note

State-of-residence in the CFPB record is the consumer's address at the time of complaint, not the collector's address. National collectors operate from a small number of corporate centers (typically Texas, Arizona, Florida, California) but appear on every state's per-state page when consumers from that state file. The state ranking and the per-state collector counts therefore reflect consumer experience, not corporate footprint. For collector headquarters and licensing detail, see the individual collector detail page.

Reading This Page Alongside the National View

Every collector listed here also appears on the national rankings page and on the recent-12-month leaderboard. The state-page slice gives you the Georgia-specific complaint volume and per-state collector mix; the national pages give you the full nationwide context for understanding whether a collector's behavior in Georgia reflects a structural pattern or a localized issue. We recommend reading both before deciding whether to file a complaint or pursue state-channel remedies — a collector with high state volume but low national volume points toward a regional portfolio acquisition or enforcement gap, while a collector with high state AND national volume points toward a structural compliance issue.

What the Per-Capita Rate Means

The complaints-per-100,000-residents rate normalizes absolute complaint volume against Georgia's population, which makes cross-state comparison meaningful. Populous states naturally generate higher absolute complaint counts, but per-capita rate surfaces states where consumers are disproportionately likely to file federal complaints. A high per-capita rate typically reflects some combination of (a) higher uninsured-rate medical-debt activity, (b) weaker state-level debt-collection licensing enforcement, (c) longer statute-of-limitations periods on consumer debt, or (d) active consumer-advocacy infrastructure that directs residents toward the federal complaint channel. None of these factors implies misconduct by any specific collector — they shape the volume at which consumers in a state are willing and able to file complaints with the federal government.