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 18

Sorted by most complaints

Apple Recovery Services Corp

F
1 total complaints ↓ falling

ARC Management Group, LLC

D
1 total complaints ↓ falling

Audit Systems,Inc

B
1 total complaints ↓ falling

Auto Market of Florida, Corp

C
1 total complaints ↑ rising

Automated Recovery Systems, Inc

D
1 total complaints ↓ falling

Accelerated Financial Solutions, LLC

D
1 total complaints ↓ falling

Accelerated Servicing Group LLC

F
1 total complaints ↓ falling

Acorns Grow Incorporated

1 total complaints ↑ rising

Action Collection Service

D
1 total complaints → stable

Adelante, Inc

D
1 total complaints → stable

Advanced Collection Bureau, Inc.

D
1 total complaints ↓ falling

Advanced Recovery Group LLC

D
1 total complaints ↑ rising

Advantage Collection Professionals, Inc.

C
1 total complaints ↓ falling

Aidenbaum Schloff and Bloom PLLC

A
1 total complaints ↑ rising

Alco Collections, Inc.

D
1 total complaints ↓ falling

Alexander, Winton & Associates, Inc.

B
1 total complaints ↑ rising

Alliance Asset Management, Inc (Closed)

B
1 total complaints ↓ falling

Alliance Collection Service

B
1 total complaints ↓ falling

Allied Financial Group & Associates (Closed)

B
1 total complaints ↓ falling

Alpha Recovery Corp

D
1 total complaints ↓ falling

American Accounts & Advisers, Inc.

D
1 total complaints ↓ falling

American Credit Financial

C
1 total complaints ↓ falling

American Credit Resolution, Incorporated

C
1 total complaints ↓ falling

American Elite Recovery, LLC

F
1 total complaints ↓ falling

American Lending LLC

F
1 total complaints ↓ falling

American Recovery Service Incorporated

D
1 total complaints ↓ falling

American Student Assistance

C
1 total complaints ↓ falling

Americas Car-Mart, Inc.

B
1 total complaints ↑ rising

Andreu, Palma & Andreu, PL

D
1 total complaints → stable

Apex Recovery Services, LLC

A
1 total complaints ↓ falling

Applied Business Services, Inc.

D
1 total complaints ↓ falling

Applied Resolutions Group

B
1 total complaints ↓ falling

Arbor Residential Mortgage LLC

C
1 total complaints ↓ falling

Arena Investors, LP

F
1 total complaints ↓ falling

Arete Financial Group

F
1 total complaints ↓ falling

Asset Acquisition Group, LLC

B
1 total complaints ↓ falling

AssetRecoveryplus

A
1 total complaints ↓ falling

Assured Financial Partners

C
1 total complaints ↓ falling

Astra Business Services

F
1 total complaints ↓ falling

Atlas Services, Inc.

C
1 total complaints ↓ falling

Augusta Collection Agency, Inc.

F
1 total complaints → stable

Auto World Financial, Inc.

A
1 total complaints ↓ falling

Autovest, L.L.C.

D
1 total complaints → stable

Avant Credit Corporation

C
1 total complaints ↓ falling

Axela Technologies, Inc

D
1 total complaints ↑ rising

Balanced Healthcare Receivables, LLC

D
1 total complaints → stable

BAM Management US Holdings Inc.

F
1 total complaints ↓ falling

Bank of NEW York Mellon Corporation, the

D
1 total complaints ↓ falling

BMO Bank National Association

1 total complaints ↑ rising

Bridgelock Capital

A
1 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.