State complaint profile
Debt collection complaints in Illinois
41,794 CFPB complaints filed against 1,540 debt collectors active in Illinois.
- Complaints
- 41,794
- Collectors
- 1,540
- Top collector
- Resurgent Capital Services L.P.
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
Illinois at a glance
Illinois consumers have filed 41,794 CFPB debt-collection complaints against 1,540 collectors.
- 41,794
- CFPB complaints filed
- 1,540
- collectors active here
- #1
- most-complained: Resurgent Capital Services L.P.
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 Illinois
Illinois sits near the top of the state complaint ladder at #6 of 56 by absolute CFPB filings (41,794 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 Illinois residents in this extract is Resurgent Capital Services L.P. (14.9% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.
Most-complained-about collectors in Illinois
By complaints filed from this state
- Resurgent Capital Services L.P.
Resurgent Capital Services L.P.
2,145 complaints
- Encore Capital Group Inc.
Encore Capital Group Inc.
2,122 complaints
- Transunion Intermediate Holdings, Inc.
Transunion Intermediate Holdings, Inc.
1,947 complaints
- Portfolio Recovery Associates, LLC
Portfolio Recovery Associates, LLC
1,936 complaints
- CL Holdings LLC
CL Holdings LLC
1,687 complaints
- Equifax, Inc.
Equifax, Inc.
1,664 complaints
- Experian Information Solutions Inc.
Experian Information Solutions Inc.
1,638 complaints
- CCS Financial Services, Inc. 830
CCS Financial Services, Inc.
830 complaints
What this shows These eight collectors draw the most complaints from Illinois residents, usually national bureaus and large debt buyers operating in every state.
Where Illinois's 41,794 complaints concentrate
Top-three collectors vs the rest of this state's filings
- Resurgent Capital Serv 2,145
Resurgent Capital Services L.P.
2,145 complaints
- Encore Capital Group I 2,122
Encore Capital Group Inc.
2,122 complaints
- Transunion Intermediat 1,947
Transunion Intermediate Holdings, Inc.
1,947 complaints
- All other collectors
Remaining collectors in Illinois
35,580 complaints
What this shows The top three names account for 14.9% of Illinois filings in this extract, a state-specific concentration cut, not a national grade curve.
Active Debt Collectors
Sorted by most complaintsResurgent Capital Services L.P.
DEncore Capital Group Inc.
DTransunion Intermediate Holdings, Inc.
DPortfolio Recovery Associates, LLC
DCL Holdings LLC
CEquifax, Inc.
DExperian Information Solutions Inc.
DCCS Financial Services, Inc.
FI.C. System, Inc.
CCapital ONE Financial Corporation
DKriya Capital, LLC
DTransworld Systems Inc
DHarris & Harris, Ltd.
DCitibank, N.a.
DBread Financial Holdings, Inc.
CMerchants' Credit Guide Company
DNational Credit Systems,Inc.
DERC
DConvergent Resources, Inc.
DSynchrony Financial
DJpmorgan Chase & Co.
DCaine & Weiner Company, Inc.
DBlitt and Gaines, P.C.
DSpring Oaks Capital, LLC
FHW Holding, Inc
DSouthwest Credit Systems, L.P.
DT.S. Holdings
FLJ Ross Associates
DAargon Agency, Inc.
FBank of America, National Association
DTrueAccord Corp.
DCavalry Investments, LLC
DSunrise Credit Services, Inc
DAfni Inc.
DDiscover Bank
DRadius Global Solutions LLC
DEastern Account Systems of Connecticut, Inc.
DDiversified Consultants, Inc.
DSource Receivables Management LLC
DMedical Business Bureau
FFair Collections & Outsourcing, Inc.
DThe CBE Group, Inc.
DWells Fargo & Company
DNCB Management Services Inc.
DNavy Federal Credit Union
DAmerican Express Company
DSequium Asset Solutions, LLC
FHarvard Collections, LLC
DRowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
FNavient Solutions, LLC.
DIf a collector is contacting you in Illinois
High-volume states still start with the federal record, then verify any state-law question with an official source.
- Start with the densest Illinois 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 Illinois 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 Illinois
- Resurgent Capital Services L.P. Leads Illinois complaint volume in this extract
- Pennsylvania complaint profile Nearest volume peer (40,073 complaints)
- North Carolina complaint profile Nearest volume peer (38,233 complaints)
- States by complaint volume Illinois sits in the dense end of the state ladder
- Debt validation letter High filing volume - written validation is the usual first step
- Compare collectors side-by-side Check response rates for the agencies contacting Illinois residents
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 Illinois Resident
Illinois'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 Illinois attorney general's consumer division and the state banking-and-finance regulator that may license collectors here. Open the CFPB complaint form.
| Publisher | PlainCollector |
| Sources | the CFPB Consumer Complaint Database |