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 0.4% 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. (0.4% 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 Bureaus, Inc.

D
13 total complaints → stable

The Receivable Management Services LLC

D
13 total complaints ↑ rising

Aldous & Associates, PLLC

D
12 total complaints ↑ rising

American Coradius International LLC

D
12 total complaints ↓ falling

Como Law Firm P.A.

B
12 total complaints ↓ falling

Enova International, Inc.

D
12 total complaints → stable

Rausch, Sturm, Israel, Enerson & Hornik, LLP

D
12 total complaints ↓ falling

Toyota Motor Credit Corporation

D
12 total complaints ↑ rising

The Stark Collection Agency, Inc.

F
12 total complaints ↑ rising

Universal Acceptance Corporation (NE)

B
12 total complaints ↑ rising

BTH Management

D
11 total complaints ↑ rising

CLGF Holdco 1, LLC

F
11 total complaints ↑ rising

Colony Brands, Inc.

F
11 total complaints → stable

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

C
11 total complaints → stable

Fiserv Finxact Core

F
11 total complaints → stable

Kikoff Inc.

F
11 total complaints ↑ rising

Monarch Recovery Holdings, Inc.

D
11 total complaints → stable

NRA Group, LLC

D
11 total complaints ↑ rising

Performant Financial Corporation

D
11 total complaints ↓ falling

OneMain Finance Corporation

F
11 total complaints ↑ rising

Capital Management Services, LP

D
10 total complaints ↓ falling

Collection Bureau of Little Falls, Inc.

A
10 total complaints → stable

First National Collection Bureau, Inc.

D
10 total complaints ↓ falling

Franklin Collection Service, Inc.

D
10 total complaints ↓ falling

Halsted Financial Services, LLC.

D
10 total complaints ↑ rising

JH Portfolio Debt Equities, LLC

D
10 total complaints ↓ falling

January Technologies, Inc

F
10 total complaints ↑ rising

Meridian Financial Services, Inc.

D
10 total complaints ↑ rising

ORG GC GP Buyer, LLC

D
10 total complaints ↓ falling

SIMM Associates, Inc.

D
10 total complaints → stable

SinglePoint GI

F
10 total complaints ↑ rising

Unifin Inc.

D
10 total complaints ↑ rising

Upstart Holdings, Inc.

F
10 total complaints ↑ rising

Aargon Agency, Inc.

F
9 total complaints → stable

AmeriCollect

D
9 total complaints ↓ falling

Debt Recovery Solutions, LLC

D
9 total complaints → stable

Eastern Account Systems of Connecticut, Inc.

D
9 total complaints ↑ rising

Harvard Collections, LLC

D
9 total complaints ↓ falling

I.q. Data International, Inc.

D
9 total complaints ↓ falling

Navy Federal Credit Union

D
9 total complaints ↑ rising

RGS Financial, Inc.

D
9 total complaints ↓ falling

Santander Holdings USA, Inc.

F
9 total complaints ↑ rising

Santander Consumer USA Holdings Inc.

D
9 total complaints ↓ falling

Shellpoint Partners, LLC

D
9 total complaints → stable

The Affiliated Group, Inc

C
9 total complaints ↓ falling

Torriere Holdings INC

C
9 total complaints ↑ rising

USCB, Inc.

D
9 total complaints ↓ falling

Zwicker & Associates

D
9 total complaints → stable

Applied Data Finance, LLC

D
8 total complaints ↑ rising

Asset Recovery Solutions, LLC

D
8 total complaints ↓ falling

If 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

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 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.