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 28

Sorted by most complaints

Messerli & Kramer P.A.

D
3 total complaints ↓ falling

Metacorp LLC

C
3 total complaints → stable

Mid-America Accounts Control Bureau, Inc.

C
3 total complaints ↓ falling

Midwest Service Bureau, Inc.

C
3 total complaints ↓ falling

Miller Davis & Peoples

C
3 total complaints ↓ falling

Modern Asset Management, Inc.

D
3 total complaints ↑ rising

Montgomery County Credit Bureau

B
3 total complaints ↓ falling

Mountain Land Collections, Inc.

C
3 total complaints → stable

National Debt Relief LLC

F
3 total complaints ↑ rising

Ncsplus Incorporated

C
3 total complaints ↓ falling

NEW World Collections, Inc.

B
3 total complaints ↑ rising

National Asset processing LLC

D
3 total complaints ↓ falling

National Processing Group LLC

F
3 total complaints ↓ falling

Nationwide Arbitration Services LLC

D
3 total complaints ↓ falling

Nationwide Credit Corporation

C
3 total complaints → stable

Nobilis Credit Management, LLC.

D
3 total complaints ↓ falling

NorAm Capital Holdings, Inc.

A
3 total complaints → stable

Optum Bank, Inc.

C
3 total complaints ↓ falling

OSG Group Holdings, Inc.

F
3 total complaints ↓ falling

One Source Technology

D
3 total complaints ↑ rising

Optima Recovery Services LLC.

C
3 total complaints ↓ falling

Parson Bishop Services, Inc

C
3 total complaints ↓ falling

PMT Solutions, LLC.

F
3 total complaints ↓ falling

Patrick K Willis Company Inc

C
3 total complaints ↓ falling

Peak Acceptance, LLC.

F
3 total complaints ↓ falling

Pendleton Capital Management

F
3 total complaints ↓ falling

Penncro Associates, Inc.

B
3 total complaints ↓ falling

Phillips, Reinhard & Associates

F
3 total complaints ↓ falling

Porania, LLC

F
3 total complaints → stable

Professional Credit Analysts of MN, Inc.

B
3 total complaints ↓ falling

Professional Medical Management, Inc.

F
3 total complaints ↓ falling

QC Holdings Inc

C
3 total complaints → stable

Resource Management Group

F
3 total complaints ↓ falling

Rno Partners Limited

A
3 total complaints ↑ rising

Rocky Mountain Capital Management

F
3 total complaints ↓ falling

Roquemore Holdings LLC

D
3 total complaints ↓ falling

State Employees Credit Union

C
3 total complaints ↑ rising

SameDay Auto Finance, LLC

B
3 total complaints ↑ rising

Scratch Financial, Inc.

C
3 total complaints ↑ rising

Security National Automotive Acceptance

F
3 total complaints ↓ falling

Sensible Auto Lending, LLC

D
3 total complaints ↑ rising

Servicing Solutions, LLC

D
3 total complaints ↑ rising

Simon's Agency, Inc.

F
3 total complaints ↓ falling

Solomon and Solomon, P.C.

D
3 total complaints ↓ falling

Special Financing Company, LLC

B
3 total complaints ↑ rising

TAG Intermediate Holding Company, LLC

B
3 total complaints ↓ falling

TCF National Bank

D
3 total complaints ↓ falling

Tidewater Finance Company, Inc.

C
3 total complaints ↓ falling

TJC Mortgage, Inc.

B
3 total complaints ↓ falling

Thomas, King & Associates

C
3 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.