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 21

Sorted by most complaints

Essential Retrieval Group

F
1 total complaints ↓ falling

Esser, James & Associates

C
1 total complaints ↓ falling

Estate Information Services, LLC

C
1 total complaints ↓ falling

Excella Recovery Group

F
1 total complaints ↓ falling

Express Collections, Inc.

F
1 total complaints ↑ rising

Exto Inc.

B
1 total complaints ↑ rising

First Community Mortgage, Inc.

A
1 total complaints ↑ rising

First Hawaiian, Inc.

C
1 total complaints ↓ falling

First National Bank of Pennsylvania

B
1 total complaints ↓ falling

Fric Holding Corporation

B
1 total complaints ↓ falling

Fair Capital

D
1 total complaints ↑ rising

Fairway Capital Recovery, LLC

C
1 total complaints ↑ rising

Federal Pacific Credit Company, LLC

D
1 total complaints ↓ falling

Filings and Claims Inc.

B
1 total complaints ↓ falling

Finance System of Green Bay, Inc.

B
1 total complaints ↓ falling

Financial Accounts Service Team Inc.

F
1 total complaints → stable

Financial Corporation of America

D
1 total complaints ↓ falling

Financial Credit Network Inc

D
1 total complaints ↓ falling

Financial Data Systems

F
1 total complaints ↓ falling

Financial Filing & Reporting, Inc.

C
1 total complaints ↓ falling

Financial Freedom Group, LLC

C
1 total complaints ↑ rising

First Associates Loan Servicing LLC

C
1 total complaints ↓ falling

First Capital Recovery Inc.

B
1 total complaints ↓ falling

First Investors Servicing Corporation, Atlanta, GA Branch

C
1 total complaints ↓ falling

First Recovery Solutions, Inc.

F
1 total complaints ↓ falling

First Step Group, LLC

C
1 total complaints ↓ falling

First Student Services

F
1 total complaints ↓ falling

Flandreau Santee Sioux Tribe

D
1 total complaints ↓ falling

Flathmann and Stern, LLC

A
1 total complaints ↓ falling

Forster & Garbus LLP

D
1 total complaints ↓ falling

Forsythe Finance, LLC

B
1 total complaints ↑ rising

Four Directions Lending LLC

B
1 total complaints ↓ falling

Foursight Holding LLC

C
1 total complaints ↓ falling

Foxstar Energy Resources LLC DBA Federal Student Loans Council

F
1 total complaints ↑ rising

Franklin Credit Management Corporation

B
1 total complaints ↓ falling

Frederick J. Hanna & Associates, P.C. (closed)

D
1 total complaints ↓ falling

Friendly Finance Corporation

B
1 total complaints ↓ falling

Full Circle Financial Services, LLC

B
1 total complaints ↓ falling

Global Solution BIZ LLC.

F
1 total complaints → stable

Greensky Operations, LLC

D
1 total complaints ↑ rising

Greenstate Credit Union

C
1 total complaints ↑ rising

Genessee Financial

F
1 total complaints ↓ falling

Genesys National Recovery, Inc.

F
1 total complaints ↑ rising

Georgia Student Finance Authority

F
1 total complaints → stable

Global Asset Agency, Inc.

F
1 total complaints ↓ falling

Global Payments Check Services, Inc.

C
1 total complaints ↓ falling

Global Portfolio Recovery, LLC

F
1 total complaints ↓ falling

Golden State Collections LLC

D
1 total complaints ↓ falling

Grand Canyon Title, Agency, Inc.

F
1 total complaints ↑ rising

Grant & Weber

D
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.