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 0.3% 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. (0.3% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Active Debt Collectors - Page 4

Sorted by most complaints

Halsted Financial Services, LLC.

D
17 total complaints ↑ rising

Zwicker & Associates

D
17 total complaints → stable

CMRE Financial Services, Inc.

D
16 total complaints ↓ falling

First Credit Services Inc.

D
16 total complaints ↑ rising

First Data Corporation

D
16 total complaints ↓ falling

NRA Group, LLC

D
16 total complaints ↑ rising

Nelson and Kennard, LLP

D
16 total complaints → stable

Proficio Financial Services, LLC

B
16 total complaints ↓ falling

Penn Credit Corporation

D
16 total complaints ↓ falling

Sound Collection Services

C
16 total complaints → stable

Tenet Healthcare Corporation

D
16 total complaints ↓ falling

Yakima County Credit Service, INC

F
16 total complaints ↓ falling

Firstsource Business Process Services, LLC

D
15 total complaints → stable

Goldman Sachs Bank USA

F
15 total complaints ↑ rising

Ally Financial Inc.

D
14 total complaints ↑ rising

Capital Management Services, LP

D
14 total complaints ↓ falling

Collection Bureau of America Ltd.

F
14 total complaints ↓ falling

Onemain Financial Holdings, LLC.

D
14 total complaints ↓ falling

Shellpoint Partners, LLC

D
14 total complaints → stable

Unifin Inc.

D
14 total complaints ↑ rising

Credit Fresh Holdings Inc

F
13 total complaints ↑ rising

Ecmc Group, Inc.

D
13 total complaints ↓ falling

North Shore Agency, LLC

C
13 total complaints ↓ falling

ONLINE Information Services, Inc.

D
13 total complaints ↑ rising

Rent Recovery Solutions

F
13 total complaints ↑ rising

RentDebt Automated Collections, LLC

D
13 total complaints ↑ rising

Squaretwo Financial Corporation

D
13 total complaints ↓ falling

Universal Acceptance Corporation (NE)

B
13 total complaints ↑ rising

We Collect Inc

F
13 total complaints ↓ falling

Westlake Services, LLC

D
13 total complaints ↑ rising

Asset Recovery Group, Inc.

D
12 total complaints ↓ falling

CURO Intermediate Holdings

D
12 total complaints ↓ falling

Health Services Asset Management, LLC.

C
12 total complaints ↓ falling

Kikoff Inc.

F
12 total complaints ↑ rising

McCarthy, Burgess & Wolff, Inc.

D
12 total complaints ↓ falling

Nationwide Capital Services, LLC

F
12 total complaints ↑ rising

Santander Consumer USA Holdings Inc.

D
12 total complaints ↓ falling

Self Financial Inc.

F
12 total complaints ↑ rising

Upgrade, Inc.

F
12 total complaints ↑ rising

Viking Client Services

C
12 total complaints → stable

W&A Intermediate Co., LLC

F
12 total complaints ↑ rising

A.R.M. Solutions, Inc.

C
11 total complaints ↓ falling

Acima Credit, LLC

C
11 total complaints ↑ rising

Credit Service of Central Washington, Inc.

D
11 total complaints ↓ falling

FC HoldCo LLC

C
11 total complaints ↑ rising

Hovg, LLC

F
11 total complaints ↓ falling

Merchants Acceptance Corp

B
11 total complaints ↑ rising

National Credit Services, Inc.

C
11 total complaints ↓ falling

National Enterprise Systems, Inc.

D
11 total complaints ↓ falling

Northstar Location Services, LLC

D
11 total complaints ↓ falling

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.