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 11

Sorted by most complaints

RJM Acquisition LLC

C
21 total complaints ↓ falling

RSI Enterprises, Inc.

D
21 total complaints ↓ falling

Recovery One, LLC

D
21 total complaints ↓ falling

Van Ru Credit Corporation

C
21 total complaints ↓ falling

Worldwide Processing Group, LLC

F
21 total complaints ↓ falling

Asset Management Outsourcing, Inc.

D
20 total complaints ↓ falling

Atlantic Credit & Finance, Inc.

C
20 total complaints ↓ falling

BlueChip Financial

C
20 total complaints ↓ falling

Collection Receivables, Inc.

D
20 total complaints ↑ rising

Diaz & Associates, Inc.

C
20 total complaints ↓ falling

Keynote Consulting, Inc.

D
20 total complaints → stable

MEI Auto Finance Inc

B
20 total complaints ↑ rising

Marlette Funding, LLC

D
20 total complaints ↑ rising

NAM National Arbitration and Mediation

F
20 total complaints ↓ falling

Pennymac Loan Services, LLC.

D
20 total complaints ↑ rising

R.A.Rogers, Inc.

C
20 total complaints ↓ falling

Southern Auto Finance Co

C
20 total complaints → stable

Turning Point Solutions LLC

C
20 total complaints ↓ falling

Certified Recovery Systems, Inc.

C
19 total complaints ↓ falling

Collins Asset Group, LLC

F
19 total complaints ↓ falling

Community Health Investment Company, LLC.

D
19 total complaints ↓ falling

Finance System of Richmond, Inc.

C
19 total complaints ↑ rising

Galaxy Capital Acquisitions, LLC

D
19 total complaints ↓ falling

LendingPoint Holdings LLC

F
19 total complaints ↑ rising

R & R Collection Service, Inc.

B
19 total complaints ↓ falling

RAB, Inc.

D
19 total complaints ↓ falling

Ray Klein, Inc.

D
19 total complaints ↓ falling

Receivable Recovery Services, LLC

D
19 total complaints ↓ falling

TMX Finance LLC

D
19 total complaints ↓ falling

TSC Accounts Receivable Solutions

F
19 total complaints ↓ falling

Texan Credit Corporation

C
19 total complaints ↑ rising

The Stark Collection Agency, Inc.

F
19 total complaints ↑ rising

Vital Solutions, Inc.

C
19 total complaints ↓ falling

eCon Credit LP

F
19 total complaints ↑ rising

Block, Inc.

F
18 total complaints ↑ rising

Dyck-O'Neal, Inc.

D
18 total complaints ↓ falling

French Financial, Inc.

B
18 total complaints ↑ rising

Immediate Credit Recovery

D
18 total complaints ↓ falling

KBR Inc DBA Rash Curtis & Associates

F
18 total complaints ↓ falling

KLS Financial Services, Inc

F
18 total complaints → stable

M&T Bank Corporation

C
18 total complaints → stable

Mechanics Bank

D
18 total complaints ↑ rising

McKenzie Paul & Associates

B
18 total complaints → stable

National Recovery Solutions, LLC

C
18 total complaints → stable

North American Credit Services

D
18 total complaints ↓ falling

Orion Portfolio Services, LLC

C
18 total complaints ↓ falling

ARM WNY LLC

F
17 total complaints ↓ falling

Bonneville Billing and Collections

D
17 total complaints ↑ rising

Braviant Holdings, LLC

D
17 total complaints → stable

Carrington Mortgage Services, LLC

C
17 total complaints ↓ falling

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.