Tool

Grade finder

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

All collectors · most total complaints

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

# Collector GradeTotalLast 12 moStates
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 D 37,522 20,433 54
8 CCS Financial Services, Inc. F 21,515 8,827 53
9 I.C. System, Inc. D 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. D 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 F 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 5,283 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 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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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.