State complaint profile

Debt collection complaints in Washington

14,503 CFPB complaints filed against 1,146 debt collectors active in Washington.

Complaints
14,503
Collectors
1,146
Top collector
Encore Capital Group Inc.

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

Washington at a glance

Washington consumers have filed 14,503 CFPB debt-collection complaints against 1,146 collectors.

14,503
CFPB complaints filed
1,146
collectors active here
#1
most-complained: Encore Capital Group 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 Washington

Washington filings are dispersed: the top three collectors hold only 0.1% of 14,503 complaints.

Mid-volume states still host national debt buyers with rising recent filings. Read the concentration chart against the peer states before treating the #1 name as structural.

The collector with the most complaints from Washington residents in this extract is Encore Capital Group Inc. (0.1% 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

Texas Guaranteed

C
3 total complaints → stable

The Phoenix Recovery Group

F
3 total complaints → stable

Umpqua Holdings Corporation

B
3 total complaints ↓ falling

Unique Management Services, Inc

C
3 total complaints ↓ falling

United Group Inc.

B
3 total complaints → stable

United Revenue Corporation

F
3 total complaints → stable

United Student Aid (USA) Funds

C
3 total complaints ↓ falling

Valley Credit Service, Inc. (OR)

F
3 total complaints ↓ falling

Westcreek Financial

F
3 total complaints ↑ rising

Williams Kastner & Gibbs PLLC

F
3 total complaints ↓ falling

Windham Professionals, Inc.

D
3 total complaints ↓ falling

ZuntaFi Corp

D
3 total complaints ↓ falling

iQuantified Management Services, LLC

C
3 total complaints → stable

Lippman Recupero, LLC

3 total complaints → stable

ACS Education Services

D
2 total complaints ↓ falling

AR Resources, Inc. (FL)

C
2 total complaints ↓ falling

ARC Management Group, LLC

D
2 total complaints ↓ falling

ATG Credit, LLC

D
2 total complaints ↓ falling

Audit Systems,Inc

B
2 total complaints ↓ falling

Automotive Credit Corporation

F
2 total complaints ↑ rising

Account Control Technology, Inc.

C
2 total complaints ↓ falling

Account Discovery Systems, LLC

C
2 total complaints ↓ falling

Account Management Services, Inc.

D
2 total complaints ↓ falling

Accounts Receivable Management, Inc (NJ) (Closed)

C
2 total complaints ↓ falling

Accscient, LLC

F
2 total complaints → stable

Acknowledge Debt Resolutions

C
2 total complaints ↓ falling

Aldridge PIte Haan, LLP

C
2 total complaints ↓ falling

Allegiant Capital Recovery LLC

F
2 total complaints ↓ falling

Alpine Credit, Inc

D
2 total complaints ↓ falling

Arivo Acceptance, LLC

C
2 total complaints ↑ rising

Armcon Corp

C
2 total complaints ↓ falling

Ascendium Education Group

F
2 total complaints ↓ falling

Assured Financial Partners

C
2 total complaints ↓ falling

Ava Finance, Inc

F
2 total complaints ↑ rising

Balanced Healthcare Receivables, LLC

D
2 total complaints → stable

Banner Corporation

B
2 total complaints ↑ rising

BMO Bank National Association

2 total complaints ↑ rising

BMW Financial Services NA, LLC

D
2 total complaints ↑ rising

Bass & Associates, P.C., Attorneys at Law

B
2 total complaints ↓ falling

Baxter Bailey & Associates

D
2 total complaints → stable

Bayside Capital Services, LLC

F
2 total complaints ↓ falling

Benjamin Chaise Recovery Services LLC.

C
2 total complaints ↓ falling

Bridgecrest Acceptance Corporation

D
2 total complaints ↑ rising

CAC Financial Corp

D
2 total complaints → stable

CDI Affiliated Services, Inc.

D
2 total complaints ↑ rising

CN Collections, Inc.

B
2 total complaints ↓ falling

Conrad Credit Corporation

F
2 total complaints ↓ falling

California Accounts Service

C
2 total complaints ↓ falling

Capital Link Management, LLC

F
2 total complaints ↓ falling

Capital Recovery Corporation

B
2 total complaints → stable

If a collector is contacting you in Washington

Start with the federal complaint record, then verify any state-law question with an official source.

  • Check the collector's national record and grade before you respond or pay. Browse rankings
  • Demand written debt validation within 30 days of first contact. Validation letter
  • Use the CFPB complaint process and check official Washington resources for state-specific options. 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 Washington

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 Washington Resident

Three parallel channels apply in Washington: the CFPB complaint form (powers this dataset), the Washington attorney general's consumer protection division, and the state banking-and-finance regulator. Prefer the CFPB first for a public record and required company response within 15 days. Open the CFPB complaint form.