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 0.3% 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. (0.3% 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

CNG Financial Corporation

D
8 total complaints → stable

Coast to Coast Financial Solutions, Inc.

F
8 total complaints ↓ falling

Crown Asset Management, LLC, Duluth, GA Branch

D
8 total complaints → stable

F.H. Cann & Associates, Inc.

D
8 total complaints ↑ rising

Huntington National Bank, the

C
8 total complaints → stable

Ingenuity RM, LLC

D
8 total complaints ↓ falling

Lockhart, Morris & Montgomery Inc.

D
8 total complaints ↑ rising

McCarthy, Burgess & Wolff, Inc.

D
8 total complaints ↓ falling

ONLINE Information Services, Inc.

D
8 total complaints ↑ rising

Professional Service Bureau

B
8 total complaints ↓ falling

Select Portfolio Servicing, Inc.

F
8 total complaints ↓ falling

Upgrade, Inc.

F
8 total complaints ↑ rising

United Collection Bureau, Inc.

D
8 total complaints → stable

Wakefield & Associates, Inc.

F
8 total complaints ↓ falling

AES/Pheaa

D
7 total complaints ↓ falling

Alorica Inc.

D
7 total complaints ↓ falling

BC Services, Inc.

F
7 total complaints ↓ falling

BMO Bank National Association

7 total complaints ↑ rising

Cashcall, Inc.

D
7 total complaints ↓ falling

Consumer Portfolio Services, Inc.

D
7 total complaints ↑ rising

DCI Credit Services, Inc.

F
7 total complaints ↓ falling

Delbert Services

D
7 total complaints ↓ falling

Mid-Minnesota Management Services, Inc.

C
7 total complaints ↓ falling

Monterey Financial Services LLC

D
7 total complaints ↑ rising

National Enterprise Systems, Inc.

D
7 total complaints ↓ falling

Ocwen Financial Corporation

D
7 total complaints ↓ falling

Opportunity Financial, LLC

C
7 total complaints ↑ rising

R & B Corporation of Virginia

D
7 total complaints ↓ falling

Range Credit Bureau Inc

C
7 total complaints ↓ falling

Real Time Group, Inc.

D
7 total complaints ↓ falling

Reliant Capital Solutions, LLC

D
7 total complaints ↑ rising

Sterling Jewelers, Inc.

C
7 total complaints ↓ falling

Security Credit Services, LLC

D
7 total complaints ↑ rising

TCF National Bank

D
7 total complaints ↓ falling

V and H Portfolio

D
7 total complaints ↑ rising

ATG Credit, LLC

D
6 total complaints ↓ falling

American Credit Acceptance, LLC

D
6 total complaints ↑ rising

Asset Management Outsourcing, Inc.

D
6 total complaints ↓ falling

Avant Holding Company, Inc.

F
6 total complaints ↑ rising

BMW Financial Services NA, LLC

D
6 total complaints ↑ rising

Big Picture Loans, LLC

C
6 total complaints ↓ falling

Cedars Business Services, LLC

D
6 total complaints ↑ rising

Client Services, Inc.

D
6 total complaints → stable

Commercial Recovery Systems

F
6 total complaints ↓ falling

Commonwealth Financial Systems, Inc.

F
6 total complaints ↓ falling

Credit Adjustments Inc

D
6 total complaints ↓ falling

Direct Recovery Services, LLC

F
6 total complaints ↓ falling

Expert Global Solutions, Inc.

D
6 total complaints ↓ falling

First Data Corporation

D
6 total complaints ↓ falling

Harley Davidson Financial Services Inc

C
6 total complaints ↑ rising

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.