State complaint profile

Debt collection complaints in Iowa

3,765 CFPB complaints filed against 674 debt collectors active in Iowa.

Complaints
3,765
Collectors
674
Top collector
Encore Capital Group Inc.

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

Iowa at a glance

Iowa consumers have filed 3,765 CFPB debt-collection complaints against 674 collectors.

3,765
CFPB complaints filed
674
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 Iowa

Iowa filings are dispersed: the top three collectors hold only 0.1% of 3,765 complaints.

Mid-volume states still host national debt buyers with rising recent filings. Read the concentration chart against the peer states before treating the #1 name as structural.

The collector with the most complaints from Iowa 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.

Iowa's complaint volume in context

Iowa vs all states by complaint volume

Where this state's total CFPB complaint count sits among every tracked state and territory (volume, not a quality ranking)

3,765 38th percentile higher than 38% of 56 states and territories

0–2,000: 13 states and territories (23%). Below this entry. 2,000–4,000: 8 states and territories (14%). This entry sits in this band. 4,000–6,000: 3 states and territories (5%). Above this entry. 6,000–8,000: 2 states and territories (4%). Above this entry. 8,000–10,000: 5 states and territories (9%). Above this entry. 10,000–12,000: 2 states and territories (4%). Above this entry. 12,000–14,000: 1 states and territories (2%). Above this entry. 14,000–16,000: 3 states and territories (5%). Above this entry. 16,000–18,000: 1 states and territories (2%). Above this entry. 20,000–22,000: 2 states and territories (4%). Above this entry. 22,000–24,000: 1 states and territories (2%). Above this entry. 24,000–26,000: 2 states and territories (4%). Above this entry. 26,000–28,000: 2 states and territories (4%). Above this entry. 28,000–30,000: 11 states and territories (20%). Above this entry. Iowa 0 30,000 every US state and territory, bucketed by value

Each bar is a band; taller bars hold more states and territories. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database

Active Debt Collectors - Page 14

Sorted by most complaints

United Compliance Services, LLC

C
1 total complaints ↓ falling

United Credit Service Inc

B
1 total complaints ↓ falling

United Portfolio Corp.

A
1 total complaints ↓ falling

Universal Account Servicing, LLC

F
1 total complaints → stable

Uplift, Inc

D
1 total complaints ↓ falling

Upstart Holdings, Inc.

F
1 total complaints ↑ rising

VNU Group, LLC

B
1 total complaints → stable

Vystar Credit Union

D
1 total complaints ↑ rising

Valley Collection Service, LLC

C
1 total complaints ↑ rising

Valor Intelligent Processing, LLC

F
1 total complaints ↑ rising

Vantage Sourcing, LLC

C
1 total complaints ↓ falling

Vengroff Williams, Inc

D
1 total complaints ↓ falling

Vericred Solutions LLC

F
1 total complaints ↓ falling

Viking Client Services

C
1 total complaints → stable

Wakefield & Associates, Inc.

F
1 total complaints ↓ falling

Weinman Acquisition Group

F
1 total complaints ↓ falling

Western Management Consultants

C
1 total complaints ↑ rising

Wilson, Riley & Associates

F
1 total complaints ↓ falling

Windham Professionals, Inc.

D
1 total complaints ↓ falling

Wolf River Development Company

D
1 total complaints ↑ rising

World Recovery Service, LLC

F
1 total complaints ↓ falling

Zenco Collection, LLC

C
1 total complaints ↓ falling

Zenith Financial Network Inc

F
1 total complaints ↓ falling

If a collector is contacting you in Iowa

Start with the federal complaint record, then verify any state-law question with an official source.

  • Check the collector's national record and grade before you respond or pay. Browse rankings
  • Demand written debt validation within 30 days of first contact. Validation letter
  • Use the CFPB complaint process and check official Iowa resources for state-specific options. 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 Iowa

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 Iowa Resident

Three parallel channels apply in Iowa: the CFPB complaint form (powers this dataset), the Iowa attorney general's consumer protection division, and the state banking-and-finance regulator. Prefer the CFPB first for a public record and required company response within 15 days. Open the CFPB complaint form.