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 33

Sorted by most complaints

Merchants Acceptance Corp

B
2 total complaints ↑ rising

Metro Area Collection Service, Inc.

B
2 total complaints ↓ falling

Michael Haynes & Associates, LLC

C
2 total complaints ↓ falling

Midstate Collection Solutions, Inc.

D
2 total complaints ↓ falling

Midway Resolution Services LLC

F
2 total complaints ↓ falling

Mineola Texas Star, LLC.

A
2 total complaints ↓ falling

Mintex Inc.

D
2 total complaints ↓ falling

Modoc Tribe Financial Services Authority

B
2 total complaints ↓ falling

Momnt Technologies, Inc.

D
2 total complaints ↑ rising

Nationwide Acceptance LLC

C
2 total complaints → stable

NBT Bancorp Inc.

C
2 total complaints → stable

NE Processing LLC

D
2 total complaints ↓ falling

Northern Hills Collections Inc.

C
2 total complaints ↓ falling

NPS Group

F
2 total complaints ↓ falling

NRG STX Properties, LLC

F
2 total complaints ↑ rising

National Bureau of Collections, Inc

A
2 total complaints ↓ falling

National Capital Solutions

F
2 total complaints ↑ rising

National Credit Processing Inc.

F
2 total complaints ↓ falling

National Creditors Connection, Inc

A
2 total complaints ↓ falling

National Medical Administrators, Inc

B
2 total complaints ↓ falling

National Payment Solutions of New York LLC

B
2 total complaints ↓ falling

Nationwide Intermediary Services llc

C
2 total complaints ↓ falling

Nelson and Kennard, LLP

D
2 total complaints → stable

Netspend Corporation

B
2 total complaints ↑ rising

Nevada Professional Collections Texas

F
2 total complaints ↑ rising

Niagara Capital Recovery LLC

F
2 total complaints ↓ falling

Niagara Central Revenue

D
2 total complaints ↑ rising

Niagara Portfolio Solutions LLC

C
2 total complaints ↓ falling

Nicholas Financial Inc.

C
2 total complaints ↓ falling

Northwood Asset Management Group

C
2 total complaints ↓ falling

Oklahoma Student Loan Authority

C
2 total complaints ↓ falling

Outsource Services, Inc. d/b/a National Acceptance Company

C
2 total complaints ↓ falling

P&L Acquisitions LLC

D
2 total complaints ↓ falling

P.S.C., Inc

D
2 total complaints ↓ falling

PDQ Services, Inc.

F
2 total complaints ↓ falling

PHH Mortgage Services Corporation

C
2 total complaints ↓ falling

Popular Bank

B
2 total complaints ↓ falling

Professional Collection Service, Inc

B
2 total complaints ↓ falling

Pronto Finance Inc.

B
2 total complaints ↑ rising

Padfield & Stout, LLP

A
2 total complaints ↓ falling

Patenaude & Felix A Professional Corporation

D
2 total complaints ↓ falling

PayTomorrow, LLC

D
2 total complaints ↑ rising

Pettitt & Kimball, PLLC

B
2 total complaints ↑ rising

Pharus Funding LLC

C
2 total complaints ↓ falling

Phoenix Asset Group LLC

F
2 total complaints ↓ falling

Phoenix Management Solutions, L.L.C.

D
2 total complaints ↓ falling

Pioneer Capital Solutions Inc

D
2 total complaints ↓ falling

Pioneer Credit Company, Inc

B
2 total complaints ↓ falling

Pollack & Rosen, P.A.

D
2 total complaints → stable

Pono Ventures Inc.

F
2 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.