State complaint profile
Debt collection complaints in Michigan
26,445 CFPB complaints filed against 1,317 debt collectors active in Michigan.
- Complaints
- 26,445
- Collectors
- 1,317
- Top collector
- Encore Capital Group Inc.
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
Michigan at a glance
Michigan consumers have filed 26,445 CFPB debt-collection complaints against 1,317 collectors.
- 26,445
- CFPB complaints filed
- 1,317
- 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 Michigan
Michigan filings are dispersed: the top three collectors hold only 15.2% of 26,445 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 Michigan residents in this extract is Encore Capital Group Inc. (15.2% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.
Most-complained-about collectors in Michigan
By complaints filed from this state
- Encore Capital Group Inc.
Encore Capital Group Inc.
1,489 complaints
- Resurgent Capital Services L.P.
Resurgent Capital Services L.P.
1,381 complaints
- Portfolio Recovery Associates, LLC
Portfolio Recovery Associates, LLC
1,140 complaints
- CL Holdings LLC
CL Holdings LLC
978 complaints
- Transunion Intermediate Holdings, Inc.
Transunion Intermediate Holdings, Inc.
965 complaints
- Experian Information Solutions Inc.
Experian Information Solutions Inc.
882 complaints
- Equifax, Inc.
Equifax, Inc.
795 complaints
- CCS Financial Services, Inc. 458
CCS Financial Services, Inc.
458 complaints
What this shows These eight collectors draw the most complaints from Michigan residents, usually national bureaus and large debt buyers operating in every state.
Where Michigan's 26,445 complaints concentrate
Top-three collectors vs the rest of this state's filings
- Encore Capital Group I 1,489
Encore Capital Group Inc.
1,489 complaints
- Resurgent Capital Serv 1,381
Resurgent Capital Services L.P.
1,381 complaints
- Portfolio Recovery Ass 1,140
Portfolio Recovery Associates, LLC
1,140 complaints
- All other collectors
Remaining collectors in Michigan
22,435 complaints
What this shows The top three names account for 15.2% of Michigan filings in this extract, a state-specific concentration cut, not a national grade curve.
Active Debt Collectors
Sorted by most complaintsEncore Capital Group Inc.
DResurgent Capital Services L.P.
DPortfolio Recovery Associates, LLC
DCL Holdings LLC
CTransunion Intermediate Holdings, Inc.
DExperian Information Solutions Inc.
DEquifax, Inc.
DCCS Financial Services, Inc.
FI.C. System, Inc.
CCapital ONE Financial Corporation
DKriya Capital, LLC
DTransworld Systems Inc
DLJ Ross Associates
DMerchants and Medical Credit Corporation, Inc.
DSynchrony Financial
DNational Credit Systems,Inc.
DCitibank, N.a.
DCaine & Weiner Company, Inc.
DReceivables Management Partners, LLC
DCredit Acceptance Corporation
DBread Financial Holdings, Inc.
CERC
DConvergent Resources, Inc.
DJpmorgan Chase & Co.
DDiscover Bank
DNational Credit Adjusters, LLC
DEastern Account Systems of Connecticut, Inc.
DBank of America, National Association
DRadius Global Solutions LLC
DCongress Collection Corp
CAfni Inc.
DFair Collections & Outsourcing, Inc.
DTrueAccord Corp.
DSunrise Credit Services, Inc
DHW Holding, Inc
DSpring Oaks Capital, LLC
FJ J Marshall & Associates, Inc
DWeber & Olcese, PLC
DPennymac Loan Services, LLC.
DNavient Solutions, LLC.
DPenn Credit Corporation
DDiversified Consultants, Inc.
DAll State Credit Bureau, Inc.
CCavalry Investments, LLC
DAlly Financial Inc.
DAmerican Express Company
DHarris & Harris, Ltd.
DSouthwest Credit Systems, L.P.
DNCB Management Services Inc.
DProCollect, Inc.
FIf a collector is contacting you in Michigan
High-volume states still start with the federal record, then verify any state-law question with an official source.
- Start with the densest Michigan 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 Michigan 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 Michigan
- Encore Capital Group Inc. Leads Michigan complaint volume in this extract
- Arizona complaint profile Nearest volume peer (25,734 complaints)
- Maryland complaint profile Nearest volume peer (25,302 complaints)
- States by complaint volume Michigan 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 Michigan 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 Michigan Resident
Michigan'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 Michigan 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 |