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 0% 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. (0% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Active Debt Collectors - Page 11

Sorted by most complaints

Cawley & Bergmann, LLP

D
4 total complaints ↓ falling

Certegy Holdings, LLC

D
4 total complaints ↓ falling

Chime Financial Inc

D
4 total complaints ↑ rising

Commercial Recovery Systems

F
4 total complaints ↓ falling

Cottonwood Financial Ltd.

C
4 total complaints ↓ falling

Credit Services, Inc.

B
4 total complaints ↓ falling

Crow Creek Sioux Tribe

F
4 total complaints ↑ rising

DLF Law Group, LLC

B
4 total complaints → stable

DRB-40, LLC

C
4 total complaints ↑ rising

Delta Management Associates, Inc.

D
4 total complaints ↓ falling

Driveway Finance Corporation

D
4 total complaints ↑ rising

FDR Asset USA LTD

D
4 total complaints ↑ rising

Federal Adjustment Bureau, Inc.

D
4 total complaints → stable

Gold KEY Credit, Inc.

D
4 total complaints ↓ falling

GVA Holdings, LLC

C
4 total complaints ↓ falling

Harley Davidson Financial Services Inc

C
4 total complaints ↑ rising

Imperial Recovery Consultants, LLC

F
4 total complaints → stable

Jim Bottin Enterprises, Inc

D
4 total complaints → stable

John C. Heath, Attorney at Law, PLLC

C
4 total complaints ↓ falling

Kovo

D
4 total complaints ↑ rising

Midwestern Audit Services, Inc

B
4 total complaints ↓ falling

NPG Associates, Inc.

D
4 total complaints ↑ rising

North Shore Agency, LLC

C
4 total complaints ↓ falling

Northern Service Bureau, Escanaba Inc.

B
4 total complaints ↓ falling

Opportunity Fund

C
4 total complaints ↑ rising

Oracle Financial Group LLC.

D
4 total complaints ↓ falling

Oxford Law, LLC

C
4 total complaints ↓ falling

Pinnacle Recovery, Inc.

D
4 total complaints ↓ falling

Paradigm Assets, LLC

D
4 total complaints ↓ falling

Pinnacle Asset Management, LLC

F
4 total complaints ↓ falling

Professional Finance Company, Inc.

D
4 total complaints ↓ falling

Progressive Financial Services, Inc.

C
4 total complaints ↓ falling

RAB Performance Recoveries, LLC

C
4 total complaints ↓ falling

Ray Klein, Inc.

D
4 total complaints ↓ falling

Riverwalk Financial Corporation

F
4 total complaints ↓ falling

RockLoans Holdings LLC

D
4 total complaints ↑ rising

Ronald B. Rich & Associates, PLC

B
4 total complaints ↓ falling

Sherloq Group, Inc

C
4 total complaints ↓ falling

Solutions To Portfolios, LLC

C
4 total complaints ↓ falling

Statebridge Company

C
4 total complaints ↓ falling

Tidewater Finance Company, Inc.

C
4 total complaints ↓ falling

TriVerity, Inc.

D
4 total complaints → stable

Trott Law, P.C.

C
4 total complaints ↓ falling

Unique Management Services, Inc

C
4 total complaints ↓ falling

United Student Aid (USA) Funds

C
4 total complaints ↓ falling

Universal Fidelity LP

D
4 total complaints ↓ falling

Valentine and Kebartas, Inc.

C
4 total complaints ↓ falling

Vengroff Williams, Inc

D
4 total complaints ↓ falling

Vision Financial Corp.

D
4 total complaints ↓ falling

YSA ARM LLC DBA Oxygen XL

F
4 total complaints ↑ rising

If 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

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 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.