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 0.5% 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. (0.5% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Active Debt Collectors - Page 3

Sorted by most complaints

The Receivable Management Services LLC

D
43 total complaints ↑ rising

First Credit Services Inc.

D
42 total complaints ↑ rising

General Motors Financial Company, Inc.

D
42 total complaints ↑ rising

Santander Holdings USA, Inc.

F
42 total complaints ↑ rising

TekCollect Inc.

D
42 total complaints ↑ rising

BTH Management

D
41 total complaints ↑ rising

PNC Bank N.A.

D
41 total complaints → stable

TD Bank US Holding Company

D
41 total complaints ↑ rising

U.s. Bancorp

D
41 total complaints ↓ falling

Consumer Adjustment Company Incorporated

D
40 total complaints → stable

International Computer Systems, Inc.

D
40 total complaints → stable

Expert Global Solutions, Inc.

D
39 total complaints ↓ falling

Goldman Sachs Bank USA

F
39 total complaints ↑ rising

Atlanticus Services Corporation

D
38 total complaints ↑ rising

Ditech Financial LLC

D
38 total complaints ↓ falling

Ford Motor Credit Co.

D
38 total complaints → stable

Stillman, P.C. d.b.a. Stillman Law Office

D
37 total complaints → stable

Kikoff Inc.

F
36 total complaints ↑ rising

OneMain Finance Corporation

F
36 total complaints ↑ rising

Central Portfolio Control Inc.

D
34 total complaints ↑ rising

Helvey & Associates, Inc., Warsaw, IN Branch

D
34 total complaints → stable

Rent Recovery Solutions

F
34 total complaints ↑ rising

Paypal Holdings, Inc

D
33 total complaints ↓ falling

Bridgecrest Acceptance Corporation

D
32 total complaints ↑ rising

Exeter Finance, LLC.

D
32 total complaints ↑ rising

Nelnet, Inc.

D
32 total complaints ↑ rising

Servicer under contract with Federal Student Aid

F
32 total complaints ↑ rising

AES/Pheaa

D
31 total complaints ↓ falling

Absolute Resolutions Corp.

C
31 total complaints ↑ rising

Acima Credit, LLC

C
30 total complaints ↑ rising

American Profit Recovery, Inc., Marlborough, MA Branch

C
30 total complaints → stable

Capio Partners, LLC

C
30 total complaints → stable

Firstsource Business Process Services, LLC

D
30 total complaints → stable

Debt Recovery Solutions, LLC

D
29 total complaints → stable

Dynamic Recovery Solutions, LLC

D
29 total complaints ↓ falling

Lloyd & McDaniel, PLC

D
29 total complaints ↑ rising

URS Holding, LLC

D
29 total complaints ↓ falling

Mid-Michigan Collection Bureau

D
28 total complaints ↓ falling

Nationwide Capital Services, LLC

F
28 total complaints ↑ rising

PCR Group

F
28 total complaints → stable

Scheer, Green & Burke L.P.A.

D
28 total complaints ↓ falling

CLGF Holdco 1, LLC

F
27 total complaints ↑ rising

Caliber Home Loans, Inc.

D
27 total complaints ↓ falling

Colony Brands, Inc.

F
27 total complaints → stable

InDebted Corporation

F
27 total complaints ↑ rising

Unifin Inc.

D
27 total complaints ↑ rising

Westlake Services, LLC

D
27 total complaints ↑ rising

Williams & Fudge, Inc

D
27 total complaints → stable

Santander Consumer USA Holdings Inc.

D
26 total complaints ↓ falling

Citizens Financial Group, Inc.

C
25 total complaints → stable

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.