Debt Collection Review

Review and analysis of 90,278 consumer complaints for 2,477 debt collection financial institutions

Best Debt Collection Companies

Universal Acceptance Corporation
United Portfolio Corp.
Amscot Corporation
United PanAm Financial Corp.
LDF Holdings, LLC
Delta Outsource Group, Inc.
Mendelson Law Firm

Worst Debt Collection Companies

Association Capital Resources, LLC
Susquehanna Bank
TH Professional & Medical Collections LTD
State Farm Bank
United Guaranty
RR Resource-Recovery
Accounts Research, Inc.

Company

Explore common Debt Collection complaints by state. On average, California, Texas, and Florida have the highest percentage of consumer complaints agains financial companies that offer all products and services.

The most common type of debt collection complaint is about continued attempts to collect a debt that the consumer reports is not owed. In many of these cases, the attempt to collect the debt is not itself the problem; rather, consumers assert that the calculation of the amount of underlying debt is inaccurate or unfair. In other cases, the consumer complains about the furnishing of information to credit reporting agencies. These complaints, which are often consistent with complaints consumers submit about credit reporting, suggest that consumers frequently only learn about debt collection accounts when they check their credit reports.

Complaints about debt collectors communications tactics (telephone collections especially) are also still very common. In addition to the frequent complaints about collection calls, which consumers say are too frequent or at inconvenient times of the day, there were a significant number of complaints about calls to third parties or calls to the consumer's place of employment.

Consumers also complained about the lack of debt validation received from debt collectors and consumers often ask collectors for additional documentation to support the debt. The amount of documentation provided by some debt collectors in response appears to frustrate many consumers, especially when the documentation is a simple invoice or bill for the services or goods that were the subject of the debt being collected. There are a number of collectors who reportedly respond to any consumer complaints by closing the account and returning it to their client.

Issue

Debt Collection Complaint Historical Trends

New Debt Collection Complaints

Convergent Resources, Inc. Debt collection attempts to collect debt not owed debt was result of identity theft

November 7, 2019 - I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached....

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Source Receivables Management LLC Debt collection attempts to collect debt not owed debt was result of identity theft

November 7, 2019 - I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached....

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Credit Protection Association, L.P. Debt collection attempts to collect debt not owed debt is not yours

November 7, 2019 - I have a debt collection of $530.00 showing up on my - credit report that isnt mine. Ive never had an account with Credit Protection Association....

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Quality Asset Recovery LLC Debt collection attempts to collect debt not owed debt was already discharged in bankruptcy and is no longer owed

November 7, 2019 - -/-/2018 $2700.00 Tried disputing the balance filed bankruptcy and will not remove from credit to stop me from renting or buy any property due to it being a judgement,...

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Credit Protection Association, L.P. Debt collection attempts to collect debt not owed debt was result of identity theft

November 6, 2019 - I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached....

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Convergent Resources, Inc. Debt collection attempts to collect debt not owed debt is not yours

November 1, 2019 - Written " Reduced Balance Opportunity '' on a debt which is not valid. Misrepresented debt as current and valid....

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HCFS Health Care Financial Services, Inc. Debt collection false statements or representation impersonated attorney, law enforcement, or government official

October 30, 2019 - This company ( ARS ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. - -, -, - -. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If...

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Convergent Resources, Inc. Debt collection false statements or representation impersonated attorney, law enforcement, or government official

October 30, 2019 - This company ( Convergent Outsourcing ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, tran...

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Absolute Recovery Services, LLC Debt collection written notification about debt didn't receive enough information to verify debt

October 29, 2019 - I've sent letters on -/-/19 and -/-/19 to Absolute Recovery Services for verification of this alleged debt that sits on my credit reports. I have yet to receive a response in the mail outlining this debt. I just need to be sure that this debt does indeed belong to me. I'm very confused about a $ - account sitting on my credit report that I had no knowledge of....

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Receivables Management Corporation Debt collection attempts to collect debt not owed debt was result of identity theft

October 24, 2019 - I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached....

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First Federal Credit Control Debt collection attempts to collect debt not owed debt was result of identity theft

October 24, 2019 - -, - - SOC SEC # - DOB -/-/- ADDRESS - - - -, - -, FL - ATTENTION DISPUTE DEPARTMENT TODAYS DATE : -/-/- FFCC-CLVLAND - FFCC-CLVLAND - Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation repo...

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TRANSUNION INTERMEDIATE HOLDINGS, INC. Debt collection attempts to collect debt not owed debt is not yours

October 17, 2019 - These are Fraud accounts and they dont belong to me...

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Army and Air Force Exchange Service Debt collection attempts to collect debt not owed debt was result of identity theft

October 16, 2019 - I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached....

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First Federal Credit Control Debt collection attempts to collect debt not owed debt is not yours

October 15, 2019 - I am not aware of these collection charges...

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Valentine and Kebartas, Inc. Debt collection false statements or representation impersonated attorney, law enforcement, or government official

October 15, 2019 - My name is - -. I received a phone call this evening at - from what showed up on the callerID as " - , PA ( - ) -. '' This came up as - - ( e.g. - or - - ) type. The person on the other end, when asked, stated that her name is -****. Due to a persistent hearing issue I have, I could not clearly catch her name, even after asking twice for it. I then was told that...

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Direct Recovery Services, LLC Debt collection communication tactics you told them to stop contacting you, but they keep trying

October 14, 2019 - I have repeatedly asked DRS to stop contacting me about my brother 's debt - and have even filed multiple CFPB complaints against them - but they continue to contact me....

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Oracle Financial Group LLC. Debt collection false statements or representation impersonated attorney, law enforcement, or government official

October 14, 2019 - - : I receive a call from -. Caller leaves voicemail, identifies self as " - - '' calling about an " important business matter '' and states " we want assure that you are given a final opportunity to secure a statement here in your defense so that no decisions are made without your knowledge. '' She leaves call back number - ext - and ends call with " you've been notified and goo...

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ERC Debt collection attempts to collect debt not owed debt is not yours

October 13, 2019 - This company Enhanced Recovery is trying to collect $250.00 from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Enhanced Recovery with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Deb...

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Eastern Account Systems of Connecticut, Inc. Debt collection attempts to collect debt not owed debt is not yours

October 13, 2019 - This company Eastern Account System is trying to collect $350.00 from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Eastern Account System with my signature on it as follows : " I am requesting validation, made pursuant to th...

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ERC Debt collection attempts to collect debt not owed debt was result of identity theft

October 12, 2019 - I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached....

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I.C. System, Inc. Debt collection attempts to collect debt not owed debt was result of identity theft

October 11, 2019 - I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached....

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Financial Data Systems Debt collection attempts to collect debt not owed debt was result of identity theft

October 11, 2019 - I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached....

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Direct Recovery Services, LLC Debt collection attempts to collect debt not owed debt is not yours

October 11, 2019 - This is my second complaint about DRS. This morning, the day after CFPB closed my previous complaint without any resolution, they texted me again about my brother 's debt. I want them to immediately STOP contacting me about my brother 's debt. I DO NOT OWE ANY DEBT. STOP CONTACTING ME....

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Credit Protection Association, L.P. Debt collection attempts to collect debt not owed debt was result of identity theft

October 9, 2019 - I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached....

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Credit Protection Association, L.P. Debt collection attempts to collect debt not owed debt was result of identity theft

October 9, 2019 - I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached....

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Convergent Resources, Inc. Debt collection communication tactics frequent or repeated calls

October 9, 2019 - I actually spoke to the representative from this debt collector, and I wanted to know who to contact about 3 accounts that are saying they are from me when I never even had a - - account, an - - - account and the one of - - for - - that said it was from 2 years ago ... I have not lived in - - since 2014. None of these reports are me, so I think my identity has bee...

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HCFS Health Care Financial Services, Inc. Debt collection attempts to collect debt not owed debt was result of identity theft

October 9, 2019 - -, - - SOC SEC # - DOB -/-/- ADDRESS - - -, - - -, FL -* ATTENTION DISPUTE DEPARTMENT TODAYS DATE : -/-/- ARS ACCOUNT RESOLUTION - Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I ...

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Valentine and Kebartas, Inc. Debt collection communication tactics frequent or repeated calls

September 26, 2019 - Valentine and Kebartas called everyday from -/-/2019 until current using different numbers - -, Florida area - ) from a company in Massachusetts. I finally spoke to a supervisor, - -, and he would not disclose the reason for the call. The representative and - - both possessed an abusive tone towards me. They never left a message when they called everyday. The process is dece...

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CCS Financial Services, Inc. Debt collection took or threatened to take negative or legal action threatened or suggested your credit would be damaged

September 24, 2019 - I received a letter stating i owned this company money, First time hearing from this company and about this debt....

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Recovery Solutions Group, LLC Debt collection took or threatened to take negative or legal action seized or attempted to seize your property

September 24, 2019 - My mother keeps getting calls on her cell for me saying I owe this debt that I have never heard of the original company or the collection company. The caller says they are going to come seize all my property and my checking account if I do not pay them. Once again I never signed anything for this debt....

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