Tool

Grade finder

Filter the full database by reputation grade and sort by complaint volume to find the best, or worst, rated collectors.

The grade finder compares collector records in PlainCollector's Consumer Financial Protection Bureau complaint-data snapshot. It is a filtering tool, not legal or financial advice: a complaint is a consumer report rather than a proven violation. The methodology documents the grade inputs and their limits.

All collectors · most total complaints

Showing the top 50 of 5,425 graded collectors by most total complaints.

#	Collector	Grade	Total	Last 12 mo	States
1	Transunion Intermediate Holdings, Inc.	D	56,286	17,761	53
2	Equifax, Inc.	D	55,160	17,512	54
3	Encore Capital Group Inc.	D	50,437	18,209	54
4	Experian Information Solutions Inc.	D	50,287	14,628	54
5	Resurgent Capital Services L.P.	D	49,061	18,544	54
6	Portfolio Recovery Associates, LLC	D	48,745	16,491	54
7	CL Holdings LLC	C	37,522	20,433	54
8	CCS Financial Services, Inc.	F	21,515	8,827	53
9	I.C. System, Inc.	C	18,629	5,990	54
10	Capital ONE Financial Corporation	D	17,106	3,932	53
11	Transworld Systems Inc	D	16,283	4,190	55
12	National Credit Systems,Inc.	D	15,649	5,697	52
13	Kriya Capital, LLC	D	13,730	6,512	52
14	Synchrony Financial	D	12,773	3,164	55
15	Citibank, N.a.	D	12,068	2,953	54
16	ERC	D	10,563	0	54
17	Bread Financial Holdings, Inc.	C	10,403	3,871	53
18	Caine & Weiner Company, Inc.	D	10,398	4,922	53
19	Jpmorgan Chase & Co.	D	8,265	2,563	53
20	Wells Fargo & Company	D	7,792	2,329	52
21	National Credit Adjusters, LLC	D	7,765	2,611	52
22	Convergent Resources, Inc.	D	7,686	38	53
23	Bank of America, National Association	D	7,681	2,111	53
24	HW Holding, Inc	D	7,296	1,834	52
25	Spring Oaks Capital, LLC	F	7,289	4,064	52
26	Radius Global Solutions LLC	D	6,731	2,383	54
27	Southwest Credit Systems, L.P.	D	6,376	1,350	54
28	Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis	F	6,324	2,396	52
29	T.S. Holdings	F	5,475	2,246	52
30	Sunrise Credit Services, Inc	D	5,396	2,125	53
31	Discover Bank	D	5,382	775	53
32	American Express Company	D	5,234	1,822	53
33	ProCollect, Inc.	F	4,864	1,426	52
34	Fair Collections & Outsourcing, Inc.	D	4,832	1,483	52
35	Cavalry Investments, LLC	D	4,772	951	51
36	NCB Management Services Inc.	D	4,628	1,561	51
37	Diversified Consultants, Inc.	D	4,498	0	51
38	Aldous & Associates, PLLC	D	4,480	2,315	51
39	Affirm Holdings, Inc	F	4,401	2,555	52
40	Afni Inc.	D	4,370	87	52
41	Harris & Harris, Ltd.	D	4,346	2,360	52
42	TrueAccord Corp.	D	4,343	2,358	52
43	Navy Federal Credit Union	D	4,236	1,627	51
44	Amsher Collection Services, Inc.	D	4,104	652	53
45	Navient Solutions, LLC.	D	4,055	57	54
46	The CBE Group, Inc.	D	3,842	1,007	52
47	Sequium Asset Solutions, LLC	F	3,830	1,228	51
48	Commonwealth Financial Systems, Inc.	F	3,568	0	52
49	Ability Recovery Services, LLC	D	3,330	1,072	50
50	HCFS Healthcare Financial Services of TeamHealth	F	3,327	27	48

Frequently asked questions

What does the grade finder do? ▼

It filters all 5,278 graded collectors by reputation grade and sorts them by complaint volume or state footprint, so you can quickly find the best-rated (A) or worst-rated (F) collectors in the CFPB database.

How is the reputation grade calculated? ▼

Collectors are scored on complaint volume relative to size, timely-response rate, dispute rate, and complaint trend, then split into five equal bands. Each grade A–F holds about a fifth of all graded collectors, so a grade reflects rank against peers rather than an absolute threshold.

Why do some big-name companies have a middling grade? ▼

The largest credit bureaus and national collectors handle enormous account volumes and answer almost every complaint on time, so strong response rates can offset high raw complaint counts. The grade balances both.

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Compiled by PlainCollector

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.

Publisher	PlainCollector
Sources	the CFPB Consumer Complaint Database