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 0.1% 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. (0.1% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Active Debt Collectors - Page 9

Sorted by most complaints

Southwest Recovery Services, Inc.

D
7 total complaints → stable

Superior Adjustment, Inc.

B
7 total complaints ↓ falling

Synovus Bank

C
7 total complaints ↓ falling

The Phoenix Recovery Group

F
7 total complaints → stable

World Acceptance Corporation

D
7 total complaints ↑ rising

Account Discovery Systems, LLC

C
6 total complaints ↓ falling

Alliance Collection Agencies, Inc.

C
6 total complaints ↓ falling

Auto Trakk, LLC

D
6 total complaints ↓ falling

Ava Finance, Inc

F
6 total complaints ↑ rising

BMW Financial Services NA, LLC

D
6 total complaints ↑ rising

BSI Financial Holdings, Inc.

D
6 total complaints → stable

Block, Inc.

F
6 total complaints ↑ rising

Brown and Joseph, Ltd

F
6 total complaints ↓ falling

CCF Intermediate Holdings LLC

F
6 total complaints ↑ rising

Cherry Technologies Inc.

F
6 total complaints ↑ rising

CarMax, Inc.

C
6 total complaints ↑ rising

Carvana Group, LLC

D
6 total complaints → stable

Credit Systems International, Inc.

D
6 total complaints ↑ rising

D2 Management LLC

D
6 total complaints → stable

Enhanced Acquisitions, LLC

D
6 total complaints ↓ falling

FEDChex Recovery, LLC

F
6 total complaints ↑ rising

Finance System of Richmond, Inc.

C
6 total complaints ↑ rising

Glass Mountain Capital, LLC

D
6 total complaints ↓ falling

Green Square Company LLC.

F
6 total complaints ↓ falling

Greeting Team, LLC DBA Customer Care Global

D
6 total complaints ↑ rising

High Point Asset Inc

F
6 total complaints ↓ falling

JP Recovery Services, Inc.

C
6 total complaints ↓ falling

Jason Michael Katz, P.C.

B
6 total complaints ↓ falling

LendingPoint Holdings LLC

F
6 total complaints ↑ rising

Marauder Corporation

F
6 total complaints ↑ rising

Marlette Funding, LLC

D
6 total complaints ↑ rising

Mediation Recovery Center

C
6 total complaints ↑ rising

Mercedes Benz Financial Services

D
6 total complaints ↑ rising

Meridian Financial Services, Inc.

D
6 total complaints ↑ rising

Midwest Fidelity Services, LLC

C
6 total complaints ↑ rising

National Recoveries, Inc.

C
6 total complaints ↓ falling

Nationwide Title Clearing, Inc.

C
6 total complaints ↓ falling

Northland Group Inc

C
6 total complaints ↓ falling

Pentagon Federal Credit Union

D
6 total complaints ↑ rising

Professional Debt Mediation, Inc.

F
6 total complaints → stable

RGS Financial, Inc.

D
6 total complaints ↓ falling

RS Clark and Associates, Inc.

F
6 total complaints → stable

Receivable Management Group, Inc. (GA)

C
6 total complaints ↓ falling

Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch

D
6 total complaints ↓ falling

SG and Associates

F
6 total complaints ↑ rising

The Regional Adjustment Bureau, Incorporated

C
6 total complaints ↓ falling

Total Card, Inc.

D
6 total complaints ↓ falling

Vital Solutions, Inc.

C
6 total complaints ↓ falling

Webcollex, LLC

D
6 total complaints ↓ falling

Allied International Credit Corp., (US)

C
5 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.