State complaint profile
Debt collection complaints in Rhode Island
2,603 CFPB complaints filed against 448 debt collectors active in Rhode Island.
- Complaints
- 2,603
- Collectors
- 448
- Top collector
- Encore Capital Group Inc.
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
Rhode Island at a glance
Rhode Island consumers have filed 2,603 CFPB debt-collection complaints against 448 collectors.
- 2,603
- CFPB complaints filed
- 448
- 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 Rhode Island
Rhode Island filings are dispersed: the top three collectors hold only 15.8% of 2,603 complaints.
Absolute counts are small, so a single regional collector or a thin national-buyer footprint can swing the ranking. Compare the volume peers below before treating any one name as a statewide pattern.
The collector with the most complaints from Rhode Island residents in this extract is Encore Capital Group Inc. (15.8% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.
Most-complained-about collectors in Rhode Island
By complaints filed from this state
- Encore Capital Group Inc.
Encore Capital Group Inc.
144 complaints
- Portfolio Recovery Associates, LLC
Portfolio Recovery Associates, LLC
139 complaints
- Equifax, Inc.
Equifax, Inc.
127 complaints
- Resurgent Capital Services L.P.
Resurgent Capital Services L.P.
122 complaints
- Transunion Intermediate Holdings, Inc.
Transunion Intermediate Holdings, Inc.
118 complaints
- CL Holdings LLC
CL Holdings LLC
94 complaints
- CCS Financial Services, Inc.
CCS Financial Services, Inc.
77 complaints
- I.C. System, Inc.
I.C. System, Inc.
69 complaints
What this shows These eight collectors draw the most complaints from Rhode Island residents, usually national bureaus and large debt buyers operating in every state.
Where Rhode Island's 2,603 complaints concentrate
Top-three collectors vs the rest of this state's filings
- Encore Capital Group I 144
Encore Capital Group Inc.
144 complaints
- Portfolio Recovery Ass 139
Portfolio Recovery Associates, LLC
139 complaints
- Equifax, Inc. 127
Equifax, Inc.
127 complaints
- All other collectors
Remaining collectors in Rhode Island
2,193 complaints
What this shows The top three names account for 15.8% of Rhode Island 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
DEquifax, Inc.
DResurgent Capital Services L.P.
DTransunion Intermediate Holdings, Inc.
DCL Holdings LLC
CCCS Financial Services, Inc.
FI.C. System, Inc.
CCapital ONE Financial Corporation
DExperian Information Solutions Inc.
DBank of America, National Association
DCitibank, N.a.
DCaine & Weiner Company, Inc.
DSynchrony Financial
DBread Financial Holdings, Inc.
CTransworld Systems Inc
DNRA Group, LLC
DJpmorgan Chase & Co.
DHodosh, Lyon & Hammer, PC
BConvergent Resources, Inc.
DAmerican Express Company
DERC
DNational Credit Adjusters, LLC
DCavalry Investments, LLC
DNavient Solutions, LLC.
DWells Fargo & Company
DCitizens Financial Group, Inc.
CEOS Holdings, Inc.
DRadius Global Solutions LLC
DStrauss Factor Laing & Lyons
BRausch Sturm LLP
FDiscover Bank
DDebt Recovery Solutions, LLC
DAffirm Holdings, Inc
FCURO Intermediate Holdings
DHW Holding, Inc
DNCB Management Services Inc.
DNational Credit Systems,Inc.
DTrueAccord Corp.
DAmerican Honda Finance Corp
DCredit Corp Solutions Inc.
DDiversified Consultants, Inc.
DNavy Federal Credit Union
DSouthwest Credit Systems, L.P.
DTD Bank US Holding Company
DU.s. Bancorp
DAfni Inc.
DDebt Management Incorporated
FHSBC North America Holdings Inc.
DAlly Financial Inc.
DIf a collector is contacting you in Rhode Island
Thin filing books still share the national grade curve - verify before treating a local name as unique.
- Thin state books still share the national grade curve - check the collector's nationwide record, not just this Rhode Island slice. Browse rankings
- Demand written debt validation within 30 days of first contact. Validation letter
- With few local filings, peer-state profiles are the fastest context check before escalating. All states
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 Rhode Island
- Encore Capital Group Inc. Leads Rhode Island complaint volume in this extract
- West Virginia complaint profile Nearest volume peer (2,603 complaints)
- Idaho complaint profile Nearest volume peer (2,556 complaints)
- States by complaint volume Rhode Island is thin on absolute volume - compare denser peers before ranking
- How reputation grades work Small counts still sit on the same national grade curve
- Compare collectors side-by-side Check response rates for the agencies contacting Rhode Island 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 Rhode Island Resident
With only 2,603 Rhode Island filings in this extract, start at the CFPB complaint form for a public record, then confirm whether the Rhode Island AG or banking regulator offers a state-specific intake - thin books still use the same three-channel pattern. Open the CFPB complaint form.
| Publisher | PlainCollector |
| Sources | the CFPB Consumer Complaint Database |