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 0.3% 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. (0.3% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Active Debt Collectors - Page 4

Sorted by most complaints

Monterey Financial Services LLC

D
25 total complaints ↑ rising

National Enterprise Systems, Inc.

D
25 total complaints ↓ falling

Upgrade, Inc.

F
25 total complaints ↑ rising

Aargon Agency, Inc.

F
24 total complaints → stable

Avadyne Health Holdings, Inc

C
24 total complaints ↓ falling

Cadillac Accounts Receivable Management

C
24 total complaints ↓ falling

Client Services, Inc.

D
24 total complaints → stable

Continental Services Group, Inc. d/b/a ConServe

C
24 total complaints → stable

I.q. Data International, Inc.

D
24 total complaints ↓ falling

Opportunity Financial, LLC

C
24 total complaints ↑ rising

Revco Management, LLC

F
24 total complaints ↑ rising

Truist Financial Corporation

F
24 total complaints ↑ rising

Alorica Inc.

D
23 total complaints ↓ falling

Continental Finance Company, LLC

C
23 total complaints ↑ rising

Diverse Funding Associates LLC

D
23 total complaints ↑ rising

First Federal Credit Control, Inc.

D
23 total complaints ↓ falling

National Collection Systems, Inc.

D
23 total complaints → stable

Buckles & Buckles, P.L.C.

C
22 total complaints ↑ rising

CNG Holdings Inc

C
22 total complaints ↓ falling

Commonwealth Financial Systems, Inc.

F
22 total complaints ↓ falling

Enova International, Inc.

D
22 total complaints → stable

EOS Holdings, Inc.

D
22 total complaints ↓ falling

Fidelity National Financial, Inc

C
22 total complaints ↓ falling

HCFS Healthcare Financial Services of TeamHealth

F
22 total complaints ↓ falling

Hirshberg Acceptance Corporation

B
22 total complaints ↓ falling

Shellpoint Partners, LLC

D
22 total complaints → stable

Zwicker & Associates

D
22 total complaints → stable

Advance America, Cash Advance Centers, Inc.

D
21 total complaints ↓ falling

Goodman Frost, PLLC

C
21 total complaints ↓ falling

American Coradius International LLC

D
20 total complaints ↓ falling

Capital Accounts, LLC

F
20 total complaints ↓ falling

Law Offices of Timothy E. Baxter & Associates, P.C.

C
20 total complaints ↓ falling

Reliant Capital Solutions, LLC

D
20 total complaints ↑ rising

Waypoint Resource Group, LLC

F
20 total complaints ↑ rising

Bounce AI, Inc.

F
19 total complaints ↑ rising

Collection Management Holdings, LLC

F
19 total complaints ↑ rising

Credit Bureau Collection Services, Inc.

C
19 total complaints ↓ falling

Credit Protection Association, L.P.

D
19 total complaints ↓ falling

Delbert Services

D
19 total complaints ↓ falling

Financial Business and Consumer Solutions.

D
19 total complaints ↓ falling

January Technologies, Inc

F
19 total complaints ↑ rising

Russell Collection Agency, Inc

C
19 total complaints ↓ falling

Torriere Holdings INC

C
19 total complaints ↑ rising

Trident Asset Management, L.L.C.

F
19 total complaints ↓ falling

First National Collection Bureau, Inc.

D
18 total complaints ↓ falling

Strategic Alliances, Inc.

D
18 total complaints ↓ falling

Synergetic Communication Inc

D
18 total complaints ↑ rising

Upstart Holdings, Inc.

F
18 total complaints ↑ rising

CMRE Financial Services, Inc.

D
17 total complaints ↓ falling

Meade & Associates, Inc.

D
17 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.