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. (0.5% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Active Debt Collectors - Page 3

Sorted by most complaints

Aargon Agency, Inc.

F
263 total complaints → stable

Barclays Bank Delaware

D
261 total complaints ↑ rising

Diversified Adjustment Service, Inc.

D
255 total complaints → stable

Eastern Account Systems of Connecticut, Inc.

D
252 total complaints ↑ rising

United Collection Bureau, Inc.

D
246 total complaints → stable

Absolute Resolutions Corp.

C
242 total complaints ↑ rising

Professional Debt Mediation, Inc.

F
241 total complaints → stable

Bounce AI, Inc.

F
238 total complaints ↑ rising

Halsted Financial Services, LLC.

D
238 total complaints ↑ rising

Acima Credit, LLC

C
234 total complaints ↑ rising

The Receivable Management Services LLC

D
232 total complaints ↑ rising

Receivables Performance Management, LLC

D
230 total complaints ↓ falling

Enova International, Inc.

D
226 total complaints → stable

Santander Consumer USA Holdings Inc.

D
225 total complaints ↓ falling

Velocity Portfolio Group

D
222 total complaints → stable

Exeter Finance, LLC.

D
217 total complaints ↑ rising

The Bureaus, Inc.

D
215 total complaints → stable

Regional Management Corporation

D
213 total complaints ↑ rising

The Outsource Group, Inc

F
212 total complaints ↓ falling

OneMain Finance Corporation

F
212 total complaints ↑ rising

Leafy Financial, LLC

F
209 total complaints ↑ rising

Receivables Management Partners, LLC

D
208 total complaints ↓ falling

Merchants and Professional Bureau, Inc.

D
207 total complaints ↓ falling

Monterey Financial Services LLC

D
207 total complaints ↑ rising

General Motors Financial Company, Inc.

D
206 total complaints ↑ rising

Dynamic Recovery Solutions, LLC

D
203 total complaints ↓ falling

Truist Financial Corporation

F
202 total complaints ↑ rising

Security Finance Corp

C
185 total complaints ↑ rising

Credit Acceptance Corporation

D
183 total complaints ↑ rising

United Services Automobile Association

D
183 total complaints → stable

Goldman Sachs Bank USA

F
180 total complaints ↑ rising

Medical Data Systems, Inc.

D
179 total complaints ↓ falling

Bridgecrest Acceptance Corporation

D
178 total complaints ↑ rising

CCF Intermediate Holdings LLC

F
175 total complaints ↑ rising

CNG Financial Corporation

D
174 total complaints → stable

AMCOL Systems, Inc.

D
168 total complaints ↓ falling

Franklin Collection Service, Inc.

D
166 total complaints ↓ falling

Upgrade, Inc.

F
164 total complaints ↑ rising

First Credit Services Inc.

D
162 total complaints ↑ rising

CCM Finance LLC

F
160 total complaints ↑ rising

Southern Management Systems Inc.

F
158 total complaints → stable

Iqor US Inc

D
153 total complaints ↓ falling

Collectech Diversified, Inc.

D
152 total complaints ↑ rising

AmeriCollect

D
150 total complaints ↓ falling

Capital Accounts, LLC

F
150 total complaints ↓ falling

EOS Holdings, Inc.

D
149 total complaints ↓ falling

Optio Solutions, LLC

D
149 total complaints ↑ rising

Army and Air Force Exchange Service

F
148 total complaints ↑ rising

HSBC North America Holdings Inc.

D
146 total complaints ↓ falling

Mercantile Adjustment Bureau, LLC

D
146 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.