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 0.2% 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. (0.2% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Active Debt Collectors - Page 5

Sorted by most complaints

Pinnacle Credit Services, LLC

D
17 total complaints ↓ falling

Universal Credit Services, Inc

D
17 total complaints ↓ falling

Zions Debt Holdings

F
17 total complaints ↑ rising

Atlantic Recovery Solutions LLC

D
16 total complaints → stable

Berndt & Associates, P.C.

B
16 total complaints ↓ falling

Butler, Butler & Rowse-Oberle, P.L.L.C.

F
16 total complaints ↓ falling

Consumer Portfolio Services, Inc.

D
16 total complaints ↑ rising

Crown Asset Management, LLC, Duluth, GA Branch

D
16 total complaints → stable

KeyBridge Medical Revenue Management

D
16 total complaints ↓ falling

Maximus Federal Services, Inc.

F
16 total complaints ↑ rising

RentDebt Automated Collections, LLC

D
16 total complaints ↑ rising

United Services Automobile Association

D
16 total complaints → stable

Valor Intelligent Processing, LLC

F
16 total complaints ↑ rising

Aldous & Associates, PLLC

D
15 total complaints ↑ rising

Contract Callers Inc

D
15 total complaints ↑ rising

Fiserv Finxact Core

F
15 total complaints → stable

Frontline Asset Strategies, LLC

D
15 total complaints ↓ falling

Merchants' Credit Guide Company

D
15 total complaints ↓ falling

Northstar Location Services, LLC

D
15 total complaints ↓ falling

Ocwen Financial Corporation

D
15 total complaints ↓ falling

Platinum Holdings Group, LLC

F
15 total complaints ↓ falling

Real Time Group, Inc.

D
15 total complaints ↓ falling

Sterling Jewelers, Inc.

C
15 total complaints ↓ falling

SinglePoint GI

F
15 total complaints ↑ rising

American First Finance, Inc.

F
14 total complaints → stable

CBC Credit Services, Inc.

C
14 total complaints ↓ falling

Collection Bureau of Fort Walton Beach, Inc

D
14 total complaints ↓ falling

Credit Fresh Holdings Inc

F
14 total complaints ↑ rising

F.H. Cann & Associates, Inc.

D
14 total complaints ↑ rising

GFS II, LLC

F
14 total complaints → stable

Healthcare Finance Direct LLC.

F
14 total complaints ↑ rising

JH Portfolio Debt Equities, LLC

D
14 total complaints ↓ falling

MoneyLion Inc.

F
14 total complaints ↑ rising

NCC Business Services, Inc.

D
14 total complaints ↓ falling

Performant Financial Corporation

D
14 total complaints ↓ falling

SIMM Associates, Inc.

D
14 total complaints → stable

Tate and Kirlin Assoc

D
14 total complaints ↓ falling

The Law Offices of Mitchell D. Bluhm & Associates

C
14 total complaints ↓ falling

Westcreek Financial

F
14 total complaints ↑ rising

Accelerated Receivables Solutions

C
13 total complaints ↓ falling

Account Services Collections, Inc

C
13 total complaints ↓ falling

Cedars Business Services, LLC

D
13 total complaints ↑ rising

Focus Holding Company

D
13 total complaints ↓ falling

Global Lending Services LLC

C
13 total complaints ↑ rising

McCarthy, Burgess & Wolff, Inc.

D
13 total complaints ↓ falling

Rausch Sturm LLP

F
13 total complaints ↑ rising

Shepherd Outsourcing, LLC

F
13 total complaints ↑ rising

ARS National Services, Inc.

C
12 total complaints ↓ falling

Account Control Technology, Inc.

C
12 total complaints ↓ falling

Allied Collection Services, Inc. (Nevada)

D
12 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.