State complaint profile

Debt collection complaints in New Jersey

30,806 CFPB complaints filed against 1,278 debt collectors active in New Jersey.

Complaints: 30,806
Collectors: 1,278
Top collector: Resurgent Capital Services L.P.

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

New Jersey at a glance

New Jersey consumers have filed 30,806 CFPB debt-collection complaints against 1,278 collectors.

30,806
CFPB complaints filed: 1,278
collectors active here: #1
most-complained: Resurgent Capital Services L.P.

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 New Jersey

New Jersey sits near the top of the state complaint ladder at #9 of 56 by absolute CFPB filings (30,806 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 New Jersey residents in this extract is Resurgent Capital Services L.P. (15.4% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Resurgent Capital Services L.P.

1,697
Encore Capital Group Inc.

1,589
Portfolio Recovery Associates, LLC

1,451
Transunion Intermediate Holdings, Inc.

1,296
Equifax, Inc.

1,203
Experian Information Solutions Inc.

1,188
CCS Financial Services, Inc.

774
CL Holdings LLC

766

What this shows These eight collectors draw the most complaints from New Jersey residents, usually national bureaus and large debt buyers operating in every state.

Resurgent Capital Serv

1,697
Encore Capital Group I

1,589
Portfolio Recovery Ass

1,451
All other collectors

26,069

What this shows The top three names account for 15.4% of New Jersey filings in this extract, a state-specific concentration cut, not a national grade curve.

Active Debt Collectors

Sorted by most complaints

If a collector is contacting you in New Jersey

High-volume states still start with the federal record, then verify any state-law question with an official source.

Start with the densest New Jersey 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 New Jersey 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 New Jersey

Resurgent Capital Services L.P. Leads New Jersey complaint volume in this extract
Ohio complaint profile Nearest volume peer (30,195 complaints)
South Carolina complaint profile Nearest volume peer (28,151 complaints)
States by complaint volume New Jersey sits in the dense end of the state ladder
Debt validation letter High filing volume - written validation is the usual first step
Compare collectors side-by-side Check response rates for the agencies contacting New Jersey residents

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 New Jersey Resident

New Jersey'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 New Jersey attorney general's consumer division and the state banking-and-finance regulator that may license collectors here. Open the CFPB complaint form.

Compiled by PlainCollector, Debt Collector Reputation Editorial Process

Publisher	PlainCollector
Sources	the CFPB Consumer Complaint Database

Debt collection complaints in New Jersey

Insights: Debt Collection in New Jersey

Active Debt Collectors

Resurgent Capital Services L.P.

Encore Capital Group Inc.

Portfolio Recovery Associates, LLC

Transunion Intermediate Holdings, Inc.

Equifax, Inc.

Experian Information Solutions Inc.

CCS Financial Services, Inc.

CL Holdings LLC

Pressler & Pressler, LLP

Transworld Systems Inc

Capital ONE Financial Corporation

I.C. System, Inc.

Synchrony Financial

Citibank, N.a.

Caine & Weiner Company, Inc.

Kriya Capital, LLC

Bread Financial Holdings, Inc.

Southwest Credit Systems, L.P.

Convergent Resources, Inc.

Bank of America, National Association

HCFS Healthcare Financial Services of TeamHealth

Wells Fargo & Company

Jpmorgan Chase & Co.

Aldous & Associates, PLLC

ERC

Radius Global Solutions LLC

Remex, Inc.

Sunrise Credit Services, Inc

Discover Bank

Cavalry Investments, LLC

Fair Collections & Outsourcing, Inc.

Quality Asset Recovery LLC

American Express Company

TD Bank US Holding Company

EOS Holdings, Inc.

Simon's Agency, Inc.

Penn Credit Corporation

Sa-Vit Enterprises, Inc.

National Credit Systems,Inc.

Spring Oaks Capital, LLC

Commonwealth Financial Systems, Inc.

NCB Management Services Inc.

ONLINE Information Services, Inc.

Diversified Consultants, Inc.

Navient Solutions, LLC.

TrueAccord Corp.

First Credit Services Inc.

Source Receivables Management LLC

APEX Asset Management, LLC

Affirm Holdings, Inc

Read with New Jersey

Filing a Complaint as a New Jersey Resident