State complaint profile

Debt collection complaints in Texas

172,149 CFPB complaints filed against 2,473 debt collectors active in Texas.

Complaints
172,149
Collectors
2,473
Top collector
Equifax, Inc.

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

Texas at a glance

Texas consumers have filed 172,149 CFPB debt-collection complaints against 2,473 collectors.

172,149
CFPB complaints filed
2,473
collectors active here
#1
most-complained: Equifax, 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 Texas

Texas sits near the top of the state complaint ladder at #1 of 56 by absolute CFPB filings (172,149 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 Texas residents in this extract is Equifax, Inc. (0% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Active Debt Collectors - Page 10

Sorted by most complaints

Commercial Recovery Systems

F
26 total complaints ↓ falling

Global Recovery Group

F
26 total complaints ↓ falling

Lexisnexis

F
26 total complaints → stable

Lending Club Corp

D
26 total complaints ↓ falling

Louisiana Recovery Services Inc.

C
26 total complaints ↓ falling

National Management Recovery Corp. (NMRC)

F
26 total complaints ↓ falling

Oliphant Financial, LLC

D
26 total complaints ↓ falling

Prosper Marketplace, Inc.

C
26 total complaints → stable

Quality Asset Recovery LLC

D
26 total complaints ↓ falling

Viking Client Services

C
26 total complaints → stable

eMoneyUSA Holdings, LLC

B
26 total complaints ↑ rising

Automated Collection Services, Inc.

D
25 total complaints ↓ falling

Berlin-Wheeler, Inc. (Kansas)

C
25 total complaints ↓ falling

Chime Financial Inc

D
25 total complaints ↑ rising

D&A Services, LLC

D
25 total complaints ↓ falling

Forest Recovery Services LLC

D
25 total complaints ↑ rising

Alliant Capital Management LLC

D
24 total complaints → stable

Alpha Recovery Corp

D
24 total complaints ↓ falling

C/C Financial

D
24 total complaints → stable

DigniFi

D
24 total complaints ↑ rising

DriveTime

C
24 total complaints → stable

Freedom Financial Network

F
24 total complaints ↑ rising

Glass Mountain Capital, LLC

D
24 total complaints ↓ falling

JSZ Financial Co., Inc.

C
24 total complaints → stable

Retail Merchants Associates

D
24 total complaints → stable

Stellantis Financial Services US Corp.

D
24 total complaints ↑ rising

Telerecovery Corporation

F
24 total complaints → stable

Wilber and Associates, P.C.

D
24 total complaints → stable

Advanced Collection Bureau, Inc.

D
23 total complaints ↓ falling

Freedom Mortgage Company

B
23 total complaints → stable

GLA Collection Company, Inc.

D
23 total complaints ↓ falling

R.M. Galicia, Inc.

D
23 total complaints ↓ falling

ARS National Services, Inc.

C
22 total complaints ↓ falling

Account Resolution Corporation

C
22 total complaints ↓ falling

Accounts Receivable Consultants Inc.

C
22 total complaints ↓ falling

Americas Car-Mart, Inc.

B
22 total complaints ↑ rising

Delray Capital, LLC

D
22 total complaints ↓ falling

Helvey & Associates, Inc., Warsaw, IN Branch

D
22 total complaints → stable

Justice Finance Company

C
22 total complaints ↑ rising

NPAS, Inc.

D
22 total complaints → stable

Pinnacle Financial Partners, Inc.

D
22 total complaints ↑ rising

Reel Time Capital LLC

D
22 total complaints ↑ rising

Select Portfolio Servicing, Inc.

F
22 total complaints ↓ falling

BC Services, Inc.

F
21 total complaints ↓ falling

Coast Professional, Inc.

D
21 total complaints ↓ falling

Cullen/Frost Bankers, Inc.

B
21 total complaints → stable

DRB-40, LLC

C
21 total complaints ↑ rising

FEDChex Recovery, LLC

F
21 total complaints ↑ rising

Mediation Recovery Center

C
21 total complaints ↑ rising

NCP Holdings, L.P.

D
21 total complaints → stable

If a collector is contacting you in Texas

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

  • Start with the densest Texas 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 Texas 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 Texas

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 Texas Resident

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