State complaint profile
Debt collection complaints in Massachusetts
13,646 CFPB complaints filed against 924 debt collectors active in Massachusetts.
- Complaints
- 13,646
- Collectors
- 924
- Top collector
- Portfolio Recovery Associates, LLC
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
Massachusetts at a glance
Massachusetts consumers have filed 13,646 CFPB debt-collection complaints against 924 collectors.
- 13,646
- CFPB complaints filed
- 924
- collectors active here
- #1
- most-complained: Portfolio Recovery Associates, LLC
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 Massachusetts
Massachusetts filings are dispersed: the top three collectors hold only 16.2% of 13,646 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 Massachusetts residents in this extract is Portfolio Recovery Associates, LLC (16.2% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.
Most-complained-about collectors in Massachusetts
By complaints filed from this state
- Portfolio Recovery Associates, LLC
Portfolio Recovery Associates, LLC
889 complaints
- Encore Capital Group Inc.
Encore Capital Group Inc.
780 complaints
- Resurgent Capital Services L.P.
Resurgent Capital Services L.P.
535 complaints
- Transunion Intermediate Holdings, Inc.
Transunion Intermediate Holdings, Inc.
482 complaints
- Capital ONE Financial Corporation
Capital ONE Financial Corporation
479 complaints
- Experian Information Solutions Inc.
Experian Information Solutions Inc.
468 complaints
- Equifax, Inc.
Equifax, Inc.
455 complaints
- CCS Financial Services, Inc.
CCS Financial Services, Inc.
423 complaints
What this shows These eight collectors draw the most complaints from Massachusetts residents, usually national bureaus and large debt buyers operating in every state.
Where Massachusetts's 13,646 complaints concentrate
Top-three collectors vs the rest of this state's filings
- Portfolio Recovery Ass 889
Portfolio Recovery Associates, LLC
889 complaints
- Encore Capital Group I 780
Encore Capital Group Inc.
780 complaints
- Resurgent Capital Serv 535
Resurgent Capital Services L.P.
535 complaints
- All other collectors
Remaining collectors in Massachusetts
11,442 complaints
What this shows The top three names account for 16.2% of Massachusetts filings in this extract, a state-specific concentration cut, not a national grade curve.
Active Debt Collectors
Sorted by most complaintsPortfolio Recovery Associates, LLC
DEncore Capital Group Inc.
DResurgent Capital Services L.P.
DTransunion Intermediate Holdings, Inc.
DCapital ONE Financial Corporation
DExperian Information Solutions Inc.
DEquifax, Inc.
DCCS Financial Services, Inc.
FCitibank, N.a.
DCL Holdings LLC
CBank of America, National Association
DBread Financial Holdings, Inc.
CSynchrony Financial
DNRA Group, LLC
DSouthwest Credit Systems, L.P.
DTransworld Systems Inc
DJpmorgan Chase & Co.
DERC
DI.C. System, Inc.
CCaine & Weiner Company, Inc.
DDiscover Bank
DFair Collections & Outsourcing, Inc.
DFirst Financial Resources, Inc.
CAmerican Express Company
DCavalry Investments, LLC
DNational Credit Systems,Inc.
DTD Bank US Holding Company
DConvergent Resources, Inc.
DPeter Roberts & Associates, Inc.
CWells Fargo & Company
DSunrise Credit Services, Inc
DBarclays Bank Delaware
DEOS Holdings, Inc.
DNelnet, Inc.
DNavient Solutions, LLC.
DLustig, Glaser & Wilson, P.C.
DAssociated Credit Services, Inc.
DSequium Asset Solutions, LLC
FFirst Credit Services Inc.
DAffirm Holdings, Inc
FCitizens Financial Group, Inc.
CCommonwealth Financial Systems, Inc.
FSource Receivables Management LLC
DDiversified Consultants, Inc.
DMonarch Recovery Holdings, Inc.
DTrueAccord Corp.
DHW Holding, Inc
DReceivables Performance Management, LLC
DAction Collection Agencies, Inc.
FRadius Global Solutions LLC
DIf a collector is contacting you in Massachusetts
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 Massachusetts 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 Massachusetts
- Portfolio Recovery Associates, LLC Leads Massachusetts complaint volume in this extract
- Indiana complaint profile Nearest volume peer (14,412 complaints)
- Washington complaint profile Nearest volume peer (14,503 complaints)
- Recent-12-month collector leaderboard Mid-volume states still host national debt buyers with rising filings
- Your rights under the FDCPA Federal rights apply the same way regardless of state filing volume
- Compare collectors side-by-side Check response rates for the agencies contacting Massachusetts 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 Massachusetts Resident
Three parallel channels apply in Massachusetts: the CFPB complaint form (powers this dataset), the Massachusetts 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.
| Publisher | PlainCollector |
| Sources | the CFPB Consumer Complaint Database |