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 12

Sorted by most complaints

First Technology Federal Credit Union

D
4 total complaints ↑ rising

AUSSRQ Holdings, LLC

F
3 total complaints ↓ falling

Access Receivables of NC Inc.

C
3 total complaints ↓ falling

Accounts Receivable Management, Inc (NJ) (Closed)

C
3 total complaints ↓ falling

Ad Astra Recovery Services Inc

D
3 total complaints ↓ falling

Admin Recovery, LLC

D
3 total complaints ↓ falling

Allgate Financial, LLC

C
3 total complaints ↓ falling

American Financial Credit Services, Inc.

B
3 total complaints ↓ falling

Applied Data Finance, LLC

D
3 total complaints ↑ rising

Aspen National Financial, Inc.

D
3 total complaints ↓ falling

Asset Management Outsourcing, Inc.

D
3 total complaints ↓ falling

Associated Credit Services, Inc.

D
3 total complaints → stable

Automated Collection Services, Inc.

D
3 total complaints ↓ falling

Bepensa Capital, Inc.

C
3 total complaints → stable

Braviant Holdings, LLC

D
3 total complaints → stable

CBC Companies, Inc.

D
3 total complaints ↑ rising

Collection Associates, Ltd.

C
3 total complaints ↓ falling

Credit Bureau of Napa County, Inc.

D
3 total complaints ↓ falling

Cascade Capital, LLC

D
3 total complaints → stable

Ceannate

C
3 total complaints ↓ falling

Certified Credit Reporting, Inc.

B
3 total complaints ↓ falling

Commercial Acceptance Company

D
3 total complaints → stable

Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)

D
3 total complaints ↓ falling

Concord Servicing Corporation

C
3 total complaints ↑ rising

Credit Bureau Central, Inc (NV)

C
3 total complaints ↓ falling

Credit Counsel, Inc.

C
3 total complaints → stable

Creditors Bureau Associates

D
3 total complaints → stable

Delray Capital, LLC

D
3 total complaints ↓ falling

Escallate, LLC

D
3 total complaints ↓ falling

Everbank, National Association

B
3 total complaints ↓ falling

Eagle Accounts Group, Inc.

C
3 total complaints ↓ falling

Eastern Revenue, Inc.

D
3 total complaints → stable

Fidelity Capital Holdings, Inc

F
3 total complaints ↓ falling

First American Financial Corporation

B
3 total complaints ↓ falling

FMA Alliance, Ltd.

C
3 total complaints → stable

FMS Inc.

C
3 total complaints ↓ falling

Fidelity Properties Inc.

D
3 total complaints → stable

Finance System of Toledo, Inc.

D
3 total complaints ↓ falling

Financial Asset Management Systems Inc

C
3 total complaints ↓ falling

First Advantage LNS Inc.

F
3 total complaints ↓ falling

Freedom Mortgage Company

B
3 total complaints → stable

GB Collects, LLC

F
3 total complaints → stable

GMA Investments, LLC

F
3 total complaints ↓ falling

George Gusses Co., L.P.A.

F
3 total complaints ↓ falling

Global Recovery Group

F
3 total complaints ↓ falling

Goal Structured Solutions, LLC

F
3 total complaints ↑ rising

Gravamen Asset Management Group LLC

F
3 total complaints → stable

Harpeth Financial Services, LLC

C
3 total complaints ↑ rising

Heartland Resolution Group, LLC

D
3 total complaints ↓ falling

Immediate Credit Recovery

D
3 total complaints ↓ falling

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.