State complaint profile
Debt collection complaints in Minnesota
8,502 CFPB complaints filed against 835 debt collectors active in Minnesota.
- Complaints
- 8,502
- Collectors
- 835
- Top collector
- Encore Capital Group Inc.
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
Minnesota at a glance
Minnesota consumers have filed 8,502 CFPB debt-collection complaints against 835 collectors.
- 8,502
- CFPB complaints filed
- 835
- 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 Minnesota
Minnesota filings are dispersed: the top three collectors hold only 12.8% of 8,502 complaints.
Mid-volume states still host national debt buyers with rising recent filings. Read the concentration chart against the peer states before treating the #1 name as structural.
The collector with the most complaints from Minnesota residents in this extract is Encore Capital Group Inc. (12.8% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.
Most-complained-about collectors in Minnesota
By complaints filed from this state
- Encore Capital Group Inc.
Encore Capital Group Inc.
384 complaints
- Portfolio Recovery Associates, LLC
Portfolio Recovery Associates, LLC
370 complaints
- Resurgent Capital Services L.P.
Resurgent Capital Services L.P.
337 complaints
- CL Holdings LLC
CL Holdings LLC
315 complaints
- Transunion Intermediate Holdings, Inc.
Transunion Intermediate Holdings, Inc.
240 complaints
- CCS Financial Services, Inc.
CCS Financial Services, Inc.
228 complaints
- Equifax, Inc.
Equifax, Inc.
226 complaints
- Messerli & Kramer P.A.
Messerli & Kramer P.A.
213 complaints
What this shows These eight collectors draw the most complaints from Minnesota residents, usually national bureaus and large debt buyers operating in every state.
Where Minnesota's 8,502 complaints concentrate
Top-three collectors vs the rest of this state's filings
- Encore Capital Group I 384
Encore Capital Group Inc.
384 complaints
- Portfolio Recovery Ass 370
Portfolio Recovery Associates, LLC
370 complaints
- Resurgent Capital Serv 337
Resurgent Capital Services L.P.
337 complaints
- All other collectors
Remaining collectors in Minnesota
7,411 complaints
What this shows The top three names account for 12.8% of Minnesota filings in this extract, a state-specific concentration cut, not a national grade curve.
Active Debt Collectors
Sorted by most complaintsEncore Capital Group Inc.
DPortfolio Recovery Associates, LLC
DResurgent Capital Services L.P.
DCL Holdings LLC
CTransunion Intermediate Holdings, Inc.
DCCS Financial Services, Inc.
FEquifax, Inc.
DMesserli & Kramer P.A.
DExperian Information Solutions Inc.
DAmerican Accounts & Advisers, Inc.
DCapital ONE Financial Corporation
DI.C. System, Inc.
CERC
DWells Fargo & Company
DHW Holding, Inc
DSynchrony Financial
DCitibank, N.a.
DGurstel Law Firm, P.C.
DCaine & Weiner Company, Inc.
DKriya Capital, LLC
DTransworld Systems Inc
DConvergent Resources, Inc.
DBread Financial Holdings, Inc.
CNational Credit Systems,Inc.
DWaypoint Resource Group, LLC
FU.s. Bancorp
DJpmorgan Chase & Co.
DAfni Inc.
DCavalry Investments, LLC
DDiscover Bank
DRadius Global Solutions LLC
DDiversified Consultants, Inc.
DAmerican Express Company
DDiversified Adjustment Service, Inc.
DSunrise Credit Services, Inc
DServicer under contract with Federal Student Aid
FSouthwest Credit Systems, L.P.
DNCB Management Services Inc.
DNavient Solutions, LLC.
DNational Credit Adjusters, LLC
DBank of America, National Association
DRowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
FSpring Oaks Capital, LLC
FT.S. Holdings
FAdvantage Collection Professionals, Inc.
CAffirm Holdings, Inc
FHarris & Harris, Ltd.
DReceivables Performance Management, LLC
DSequium Asset Solutions, LLC
FTrueAccord Corp.
DIf a collector is contacting you in Minnesota
Start with the federal complaint record, then verify any state-law question with an official source.
- Check the collector's national record and grade before you respond or pay. Browse rankings
- Demand written debt validation within 30 days of first contact. Validation letter
- Use the CFPB complaint process and check official Minnesota resources for state-specific options. 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 Minnesota
- Encore Capital Group Inc. Leads Minnesota complaint volume in this extract
- Connecticut complaint profile Nearest volume peer (8,336 complaints)
- Arkansas complaint profile Nearest volume peer (8,306 complaints)
- Recent-12-month collector leaderboard Mid-volume states still host national debt buyers with rising filings
- Your rights under the FDCPA Federal rights apply the same way regardless of state filing volume
- Compare collectors side-by-side Check response rates for the agencies contacting Minnesota residents
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 Minnesota Resident
Three parallel channels apply in Minnesota: the CFPB complaint form (powers this dataset), the Minnesota attorney general's consumer protection division, and the state banking-and-finance regulator. Prefer the CFPB first for a public record and required company response within 15 days. Open the CFPB complaint form.
| Publisher | PlainCollector |
| Sources | the CFPB Consumer Complaint Database |