State complaint profile

Debt collection complaints in Kentucky

7,180 CFPB complaints filed against 861 debt collectors active in Kentucky.

Complaints
7,180
Collectors
861
Top collector
GLA Collection Company, Inc.

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

Kentucky at a glance

Kentucky consumers have filed 7,180 CFPB debt-collection complaints against 861 collectors.

7,180
CFPB complaints filed
861
collectors active here
#1
most-complained: GLA Collection Company, 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 Kentucky

Kentucky filings are dispersed: the top three collectors hold only 14.9% of 7,180 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 Kentucky residents in this extract is GLA Collection Company, Inc. (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 Kentucky

By complaints filed from this state

complaints

What this shows These eight collectors draw the most complaints from Kentucky residents, usually national bureaus and large debt buyers operating in every state.

Source CFPB Consumer Complaint Database

Where Kentucky's 7,180 complaints concentrate

Top-three collectors vs the rest of this state's filings

complaints

What this shows The top three names account for 14.9% of Kentucky filings in this extract, a state-specific concentration cut, not a national grade curve.

Source CFPB Consumer Complaint Database

Active Debt Collectors

Sorted by most complaints

GLA Collection Company, Inc.

D
406 total complaints ↓ falling

Encore Capital Group Inc.

D
335 total complaints ↑ rising

Resurgent Capital Services L.P.

D
330 total complaints ↑ rising

Portfolio Recovery Associates, LLC

D
303 total complaints ↑ rising

CL Holdings LLC

C
214 total complaints ↑ rising

Equifax, Inc.

D
160 total complaints ↑ rising

Transunion Intermediate Holdings, Inc.

D
154 total complaints ↑ rising

National Credit Systems,Inc.

D
141 total complaints ↑ rising

CCS Financial Services, Inc.

F
127 total complaints ↑ rising

Experian Information Solutions Inc.

D
127 total complaints ↑ rising

I.C. System, Inc.

C
110 total complaints ↑ rising

Credit Bureau Systems, Inc., Paducah, KY Branch

D
103 total complaints → stable

Capital ONE Financial Corporation

D
100 total complaints → stable

ERC

D
99 total complaints ↓ falling

Synchrony Financial

D
91 total complaints → stable

Kriya Capital, LLC

D
89 total complaints ↑ rising

Citibank, N.a.

D
80 total complaints → stable

Transworld Systems Inc

D
77 total complaints → stable

Bread Financial Holdings, Inc.

C
69 total complaints ↑ rising

Diversified Consultants, Inc.

D
52 total complaints ↓ falling

Jpmorgan Chase & Co.

D
51 total complaints ↑ rising

HW Holding, Inc

D
48 total complaints → stable

Convergent Resources, Inc.

D
46 total complaints ↓ falling

Commonwealth Health Corporation

B
44 total complaints ↓ falling

Lloyd & McDaniel, PLC

D
44 total complaints ↑ rising

Caine & Weiner Company, Inc.

D
43 total complaints ↑ rising

Credit Clearing House of America, Inc.

D
42 total complaints ↓ falling

Receivables Performance Management, LLC

D
42 total complaints ↓ falling

The CBE Group, Inc.

D
37 total complaints → stable

W&A Intermediate Co., LLC

F
37 total complaints ↑ rising

Spring Oaks Capital, LLC

F
36 total complaints ↑ rising

Radius Global Solutions LLC

D
35 total complaints ↑ rising

Central Portfolio Control Inc.

D
34 total complaints ↑ rising

Discover Bank

D
33 total complaints ↓ falling

NCB Management Services Inc.

D
33 total complaints ↑ rising

ONLINE Information Services, Inc.

D
31 total complaints ↑ rising

Southwest Credit Systems, L.P.

D
31 total complaints → stable

Sunrise Credit Services, Inc

D
30 total complaints ↑ rising

TrueAccord Corp.

D
30 total complaints ↑ rising

Wakefield & Associates, Inc.

F
30 total complaints ↓ falling

National Credit Adjusters, LLC

D
29 total complaints ↑ rising

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

D
29 total complaints ↓ falling

Aargon Agency, Inc.

F
28 total complaints → stable

U.s. Bancorp

D
28 total complaints ↓ falling

MRS BPO, LLC

D
27 total complaints → stable

Stenger & Stenger, P.C

D
27 total complaints → stable

American Express Company

D
25 total complaints ↑ rising

Affirm Holdings, Inc

F
25 total complaints ↑ rising

Navient Solutions, LLC.

D
25 total complaints ↓ falling

Sequium Asset Solutions, LLC

F
25 total complaints ↑ rising

If a collector is contacting you in Kentucky

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 Kentucky 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 Kentucky

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 Kentucky Resident

Three parallel channels apply in Kentucky: the CFPB complaint form (powers this dataset), the Kentucky 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.